Long-Term Disability Lawyer Serving Milton, MA
When you develop a medical condition that impairs your ability to work, you may need to file for long-term disability benefits. Filing for disability benefits can be an arduous and stressful process, especially when you are trying to manage your health simultaneously. The lawyers at Chisholm Chisholm & Kilpatrick are ready to assist you regardless of where you are in the process. We have the expertise to help get you the benefits you need.
A long-term disability lawyer serving Milton, MA from Chisholm Chisholm & Kilpatrick may be able to help you navigate the LTD claims process. Call us today at 800-544-9144 for a free consultation with a member of our team.
Why Is It Important to Contact a Long-Term Disability Attorney for Your Claim?
Many claimants decide to handle their LTD claims alone, but there are advantages to getting help from a long-term disability insurance attorney. The claim process is complex, and the attorneys from Chisholm Chisholm & Kilpatrick serving Milton, MA are ready to guide you through it so you can receive the benefits you need.
Our team will determine the best evidence to gather to prove your claim. First, we evaluate your policy as it contains information vital to your claim, such as the definition of disability. To receive your benefits, you must prove you are disabled according to this definition.
The long-term disability lawyers at CCK have over three decades of experience dealing with insurance companies and understand how they operate. While insurance companies should handle each case neutrally, this does not always occur. Oftentimes, insurance companies prioritize their own financial needs above the health needs of their clients.
The legal team at CCK serving Milton, MA ensures that your insurance company handles your claim fairly. Additionally, we serve as a point of contact between you and your insurance company.
ERISA law governs group policies. If you have an LTD policy through your place of employment, then you need to be cognizant of ERISA law. ERISA law has strict deadlines and does not allow you to submit evidence after the appeal stage.
An ERISA attorney understands how this process works and will ensure you do not miss any deadlines and that you have the best evidence from the beginning to prove your claim. Regardless of where you are in the process, our team ensures that nothing is overlooked.
CCK Gathers the Best Evidence to Prove Your LTD Claim
Medical records are often the primary source of evidence needed for a long-term disability claim. However, these records are rarely sufficient to win a claim by themselves. Supplemental evidence is often needed to strengthen your claim and prove your disability. CCK utilizes a variety of supplemental evidence, such as:
- Specialized reports from treating physicians: Obtaining a specialized report from your treating physician can bolster your claim significantly. Medical records do not offer the same insights your doctor can. These reports highlight certain aspects of your condition that illustrate how your condition impairs you each day.
- Witness statements from family, friends, and coworkers: The people closest to you see firsthand how your condition affects you. Therefore, getting witness statements from them can strengthen your claim. Family members and close friends can vouch for how your condition affects you in your private life, while your coworkers can attest to how your condition impacts you at work.
- Outside expert opinions: Sometimes the above-mentioned evidence is still not enough, so it may be necessary to get expert opinions on your condition to show that you need your benefits. Chisholm Chisholm & Kilpatrick work with a variety of outside experts who can perform specialized medical examinations that your regular doctor typically cannot. These experts can provide functional capacity, neurophysiological, and vocational evaluations.
CCK Alleviates the Burden of Filing for LTD Benefits in Milton
The long-term disability attorneys at Chisholm Chisholm & Kilpatrick know the burden that comes with filing an LTD claim. We want to alleviate this burden so that you can focus on your health. Therefore, our legal team handles all communication between you and your insurance company, as well as your doctors. We submit all evidence and documentation on time and ensure that nothing is overlooked.
Insurance companies do not want to pay claims if they can help it, which is why it is important to make sure that all materials adhere to the strict rules of your long-term disability policy.
Additionally, once your insurance company approves your disability benefits, we do not stop representing you. Oftentimes, insurance companies continue to request updated information even while you are receiving your benefits. This can lead to a wrongful denial of benefits, so we ensure that they receive the documentation in a timely manner so that you may retain your benefits for as long as you need them.
Call CCK Today for a Free Consultation Regarding Your LTD Claim
If you are suffering from a medical condition that prevents you from working, you may need to file for long-term disability benefits. Whether you are filing an initial claim or appealing a denial of benefits, our legal team can assist you. You should not have to worry about your LTD benefits. Instead, you should be focusing on your health.
We are prepared to fight for your LTD benefits. Our legal team serving Milton, MA is ready to ensure that you receive the benefits for which you are filing. Call us today at 800-544-9144 for a free consultation with a member of our team to see how we may be able to help you.
Milton Blog Posts
- Long-Term Disability (LTD) Claims for Physicians
Occupations in the medical field are both physically and mentally demanding. Unfortunately, this means that disabilities are all too common, especially among physicians. Given the years of hard work that goes into building a career as a physician, the prospect of being unable to work and needing to file a disability claim can be daunting […]
- Long-Term Disability (LTD) After Age 65
If you become disabled after age 65, but were not planning on retiring any time soon, you may be worried about your ability to receive long-term disability (LTD) benefits and protect some of your income. Although you can usually still receive long-term disability benefits if you become disabled after age 65, your age will likely […]
- 7 Common Long-Term Disability Claim Mistakes
The long-term disability (LTD) claim process is complex, and simple mistakes can be detrimental when filing a claim for LTD benefits. Insurance companies do not want to approve claims if they can help it, so a simple mistake can be enough for them to issue a denial. In this article, we will discuss seven of […]