Long-Term Disability Lawyer Serving Medway, MA
When you develop a medical condition that impairs your ability to work, you may need to file for long-term disability (LTD) benefits. The process of filing for LTD benefits can be stressful, especially when you are trying to manage your health.
Whether you are filing an initial claim or appealing a denial of benefits, you do not have to do it alone. A long-term disability lawyer serving Medway, MA from Chisholm Chisholm & Kilpatrick is ready to assist you wherever you are in the process. Call us today at 800-544-9144 for a free consultation to see how we can help you.
Contacting an Attorney is Beneficial for Your LTD Claim
Around 6.9 percent of people under the age of 65 in Medway, MA live with disabilities. While many claimants handle their LTD claims on their own, it is beneficial to contact an attorney to guide you through the process. The long-term disability attorneys serving Medway, MA have over thirty years of collective experience dealing with insurance companies and know how they operate.
Every LTD claim should be handled neutrally and fairly by the insurance company. However, insurance companies routinely prioritize their business needs over the health needs of their clients. Consequently, insurance companies do not want to pay claims if they can help it. This often leads to wrongly denied claims, repeated requests for additional information, and difficulties in correspondence.
Our legal team understands the frustration that comes from dealing with insurance companies, so we act as your point of contact so that you never have to directly deal with them. We will ensure that your insurance company handles your claim fairly.
Additionally, if your long-term disability claim is a group policy, then ERISA law governs it. An ERISA attorney understands the difficulties associated with group policies, such as strict deadlines and stringent rules. For example, ERISA law does not allow the submission of new evidence after the appeal stage. Therefore, new evidence cannot be submitted during litigation.
Missing a deadline under ERISA can also lead to a denial of your benefits. CCK tracks and submits all evidence and documentation on time to avoid such issues.
Our Medway Long-Term Disability Lawyers Will Demonstrate You Meet the Definition of Disability
To receive LTD disability benefits, you must prove you meet your LTD policy’s definition of disability. Medical records are often the primary source of evidence for claimants. However, these records are commonly not sufficient to win a claim and supplemental evidence is often necessary to prove a disability. CCK utilizes various forms of supplemental evidence to strengthen your claim, such as:
- Specialized reports from treating physicians: Medical records often do not tell the whole story about your condition. Obtaining a specialized report from your treating physician is a vital piece of evidence that can bolster your claim. Your treating physician has insights into how exactly your condition impacts you. It is important to have an open dialogue with your doctor so that these specialized reports highlight key details not found in the standard medical report.
- Witness statements from family, friends, and coworkers: Your condition affects you every day, and it is important that your claim reflect this. The people you interact with can provide invaluable evidence on your behalf. Witness statements from family members and friends vouch for how your condition affects you in your private life. Witness statements from coworkers can attest to how your condition affects you in the workplace.
- Additional evaluations from outside experts: Addition medical evaluations pertaining to your condition can reinforce your claim. CCK works with a variety of objective, third-party experts whose assessments can illustrate how far-reaching your condition is. These assessments can include functional capacity, neurophysiological, and vocational evaluations.
CCK Can Alleviate the Stress of Filing an LTD Claim
The process of filing an LTD claim is stressful for many. Whether you are dealing with the insurance company; visiting medical facilities to manage your condition, such as the Milford Regional Medical Center; or handling the emotional strain of being unable to work, it can be overwhelming. Nonetheless, it is important to remain focused on protecting your income and managing your health. The long-term disability insurance attorneys at Chisholm Chisholm & Kilpatrick want to help you during this difficult process.
Our experienced legal team serving Medford, MA gathers all necessary evidence and submits it on time. Our goal is to alleviate the stress of filing an LTD claim so that you do not have to worry about it.
Additionally, once the insurance company approves your claim and you begin receiving your benefits, we continue to represent you. Insurance companies often continue requesting updated evidence and documentation for you to retain your benefits. If you miss any of these requests, they could terminate your benefits.
Therefore, we will continue to track these requests and deadlines and ensure that you do not wrongfully lose your benefits. Also, we will remain your point of contact so that you can focus on managing your well-being.
Contact Chisholm Chisholm & Kilpatrick Today for a Free Consultation
When you receive a medical diagnosis that impacts your ability to work, you need to consider filing for long-term disability benefits. The long-term disability lawyers serving Medford, MA from Chisholm Chisholm & Kilpatrick are here to assist you no matter where in the process you are.
Whether you are filing an initial claim, appealing a denial of benefits, or taking your claim to litigations, we are here to assist you. We will fight for your right to receive the benefits you deserve.
Call CCK today at 800-544-9144 for a free consultation with a member of our team serving Medford, MA and see how we may be able to help you.
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