Long-Term Disability Lawyer Serving Natick, MA
If you have a medical condition that impairs your ability to work, then you may need to file a long-term disability (LTD) claim. However, filing for benefits is a stressful process, especially when you are trying to manage your health. Whether you are filing an initial claim or appealing a denial of benefits, the legal team serving Natick, MA at Chisholm Chisholm & Kilpatrick may be able to help.
Call 800-544-9144 today for a free consultation with a member of our team.
Why Should You Contact a Long-Term Disability Lawyer to Help with Your Claim?
Often, claimants handle their long-term disability claims on their own. However, there are advantages to hiring a long-term disability attorney to help with the process.
For example, corresponding with your insurance company can be burdensome. Insurance companies often prioritize their own business needs above their clients’ health needs, and this can lead to the wrongful denial of benefits. Moreover, insurance companies prefer to avoid paying claims, so getting your initial claim approved can be difficult.
The legal team serving Natick, MA at Chisholm Chisholm & Kilpatrick has over three decades of experience dealing with insurance companies. We understand how they operate and want to make dealing with them as worry free as possible. Our team will thoroughly review your LTD policy to determine the best evidence to gather to prove you meet your policy’s definition of disability.
There are many deadlines associated with the long-term disability process. Unfortunately, these deadlines are strict and missing one can result in the denial of your claim. A long-term disability insurance lawyer can help with this.
Moreover, these deadlines are a critical component of ERISA-governed policies. An ERISA attorney understands how this process works and will ensure that everything is submitted on time without issue. CCK handles all this so that you may focus on managing your health.
Our Team Will Gather the Right Evidence to Prove Your LTD Claim
You need to submit medical records as evidence for a long-term disability claim. However, medical records are often not enough to prove your disability. You most likely will have to submit supplemental evidence to win your claim. Supplemental evidence strengthens your LTD claim and illustrates why you need the benefits. Supplemental evidence can include:
- Reports from your treating physician: Obtaining a personalized report from your physician considerably bolsters your claim. Your physician can explain how exactly your symptoms affect you. Moreover, your physician can describe how your condition meets the definition of disability as defined in your policy. This specialized report shows much more than an ordinary medical report can.
- Witness statements from family members, friends, and coworkers: Statements from people in your personal and professional life are very beneficial for your claim. Oftentimes, these people witness firsthand how your condition impairs you. Witness statements from your family members and friends can attest to your condition at home while statements from coworkers can attest to your condition in the workplace.
- Outside expert opinions: It is beneficial to obtain outside opinions from experts on your condition. This strengthens your claim and exhibits why you need the benefits for which you are filing. CCK works with a variety of outside experts that can perform certain assessments, such as functional capacity, neuropsychological, and vocational evaluations.
Chisholm Chisholm & Kilpatrick Will Lessen the Burden of Filing a Long-Term Disability Claim
We know that filing a long-term disability claim is a stressful situation when you are also managing your health. Our legal team serving Natick, MA wants to make this process as stress free as possible. Dealing with insurance companies is never easy, so we will act as your point of contact with them. This ensures that you do not have to deal directly with them at any point during the process. We make sure that they handle your case fairly.
Additionally, we ensure that you avoid common mistakes that often lead to a denial of benefits, such as the missing of a strict deadline. If your policy is ERISA governed, these deadlines are very important. A long-term disability insurance attorney from CCK makes sure that your claim adheres to all ERISA requirements.
Once you begin receiving your benefits after an approval, we do not stop representing you. We will help manage any further requests by your insurance company. Oftentimes, insurance companies still require updated information after an approval, which comes with their own set of deadlines. To avoid a denial of benefits after an approval, we will ensure your insurance company receives all updated documentation and evidence on time. Our long-term disability lawyers want you to focus on taking care of your health instead of worrying about deadlines.
Contact CCK Today for a Free Consultation Regarding Your LTD Claim
The legal team serving Natick, MA at CCK may be able to help you if you have a medical condition that is preventing you from working. Filing for long-term disability benefits is stressful, but you do not have to do it alone. Regardless of whether you are filing an initial claim or appealing a denial of benefits, we are prepared to fight for you. We have the experience to prove you deserve LTD benefits.
Contact Chisholm Chisholm & Kilpatrick today at 800-544-9144 for a free consultation regarding your claim.
Natick Blog Posts
- 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. […]
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Jobs in finance or banking are often demanding. If you are an individual who works in this field, you have likely devoted many long hours to it and are dedicated to the work that you do. If you develop a medical condition that negatively impacts your ability to work and you need to file a […]