Long-Term Disability Lawyer Serving Manchester-by-the-Sea, MA
It is stressful to cope with a medical condition that necessitates filing for long-term disability (LTD) benefits. The LTD claim process can be daunting and complex; however, this is not something you must do alone.
Regardless of where you are in the process, a long-term disability lawyer serving Manchester-by-the-Sea, MA from Chisholm Chisholm & Kilpatrick is ready to assist you. Call us today at 800-544-9144 for a free consultation concerning your claim.
It Is Beneficial to Contact a Long-Term Disability Lawyer for Your Claim
The disability rate between 2016 and 2020 in Manchester-by-the-Sea was 0.3 percent. Despite this low number, long-term disability benefits are necessary when you can no longer work due to a medical condition. Many claimants decide to handle these claims on their own. However, it is beneficial to contact a long-term disability lawyer to help with your claim.
The claim process is often complex. Between dealing with the insurance company, managing your health, and handling all the paperwork, it can be overwhelming. Moreover, there are numerous laws and requirements of which one must be cognizant. A long-term disability attorney serving Manchester-by-the-Sea from CCK understands this and wants to alleviate these burdens.
Typically, there are two types of LTD policies: group policies and individual policies. Group policies are governed by ERISA law and are given as part of an employer-sponsored benefits program.
ERISA law is complex and strict and there are deadlines that must be met. When these deadlines are missed, the insurance company can deny your claim. Additionally, under ERISA, new and updated evidence may not be submitted after the appeal stage, so it is important to submit the necessary evidence as early as possible.
An ERISA attorney understands the complexities of these laws and knows how to navigate them. Our legal team will thoroughly review your LTD policy, determine your definition of disability, and ascertain the best evidence to collect to prove your claim. Moreover, we can act as a point of contact between you and your insurance company and your doctors. We will track all deadlines and documentation and ensure that the insurance company receives everything on time.
CCK Will Gather Supplemental Evidence to Strengthen Your LTD Claim
To prove your disability, you must submit evidence to your insurance company. This evidence is meant to show that you satisfy the definition of disability within your policy. Medical records are usually the primary source of evidence one submits as part of an LTD claim. However, these records are rarely enough to win an approval of benefits. Claimants often must submit supplemental evidence to strengthen their claim.
CCK utilizes a variety of such evidence, including:
- Specialized reports by treating physicians: Your treating physicians can offer insight into your condition that medical records cannot. Specialized reports can bring attention to certain details that elucidate how your condition prevents you from working.
- Witness statements by family, friends, and coworkers: Often, the people who see you each day have eyewitness testimony as to how your condition affects you. Family and friends can explain how your condition inhibits you at home, while coworkers can attest to how your condition specifically prevents you from working. Obtaining official witness statements bolster your claim.
- Evaluations from outside experts: Outside experts can provide objective, third-party evidence on your condition. While insurance companies sometimes require an independent medical exam (IME), these are often biased. It is best to contact an outside expert yourself. CCK works with a variety of outside experts who can provide evaluations, such as functional capacity tests, neurophysiological tests, and vocational assessments.
CCK Can Alleviate the Stress of Dealing with the Insurance Company
Insurance companies should handle each LTD claim neutrally, but this does not always happen. Often, insurance companies prioritize their financial needs over the health needs of their clients. Consequently, this leads to wrongly denied claims. Nonetheless, it is stressful when you must deal with such companies while also trying to manage your health.
The long-term disability lawyers at Chisholm Chisholm & Kilpatrick understand the frustrations that come with dealing with insurance companies. Often, these companies continuously contact claimants requesting more information. We will act as a point of contact and handle all correspondence with them so that you may focus on your well-being.
Our LTD team has over 30 years of collected experience dealing with insurance companies and know how they operate. We will hold these insurance companies accountable and ensure that they handle your case fairly.
When an insurance company approves a claim, they may continue to request new and updated information. If a claimant misses these requests, the insurance company may terminate their benefits. CCK can continue to represent a claimant even after they win an approval. We can continue as a point of contact and ensure that the insurance company receives all information they request. We want to make sure that you retain your hard-won disability benefits.
Contact CCK Today for a Free Consultation
Developing a medical condition that prevents you from working is never an easy thing to deal with, but it is not a process you must do alone. If your insurance company denied your initial claim, CCK is ready to assist you.
Regardless of where you are in the process, a long-term disability lawyer serving Manchester-by-the-Sea, MA from Chisholm Chisholm & Kilpatrick is available to help you. Call us today at 800-544-9144 for a free consultation.
Manchester-by-the-Sea Blog Posts
- Why Long-Term Disability Benefits May Be Terminated After Initial Approval
If you have a disabling health condition that keeps you out of work, you may be receiving long-term disability (LTD) benefits. While it is a relief to be approved after the process of filing a claim, it is important to keep in mind that an insurance company can still find a reason to terminate your […]
- How Long Can You Stay on Long-Term Disability (LTD)?
There are several things that impact how long you can stay on claim and receive long-term disability benefits. This article will discuss a few of these things, including definitions of disability, benefit limitations, and the maximum benefit period, but it is important to read your long-term disability policy in order to understand your specific coverage. […]
- Independent Medical Exams (IME) for Long-Term Disability Claims
If you are receiving long-term disability (LTD) benefits, the insurance company will periodically review your claim to determine if you continue to meet the applicable definition of disability. Often, this will involve obtaining your medical records and forms from your doctors to be reviewed by a nurse or doctor who works for the insurance company. […]