Long-Term Disability Lawyer Serving Needham, MA
Developing a medical condition that prevents you from working is stressful and managing your condition while trying to file for long-term disability (LTD) benefits may seem impossible. However, it is vital to file for these benefits.
Regardless of whether you are filing an initial claim or appealing a denial of benefits, it is not a process you must do alone. A long-term disability lawyer serving Needham, MA from Chisholm Chisholm & Kilpatrick is ready to assist you. Call us today at 800-544-9144 for a free consultation with a member of our team.
Benefits of Having a Long-Term Disability Attorney
Many claimants decide to handle their LTD claim alone. While it is possible to file a claim or appeal a denial on your own, it is beneficial to contact a long-term disability attorney.
In Needham, MA, the disability rate between 2015 and 2019 was 3.3 percent. Filing for long-term disability is a complex process, and the LTD lawyers serving Needham, MA from CCK understand the complexities. Our team wants to help you navigate these complexities so that common mistakes are avoided.
Insurance companies require evidence for LTD claims and appeals. The evidence aims to prove that the individual is disabled under the definition of disability located within their LTD policy. A long-term disability insurance attorney understands the types of evidence necessary to prove a claim. Our team will thoroughly review your policy and determine the best evidence to gather. We work with outside experts that can provide additional evaluations if necessary.
Additionally, many long-term disability benefits are governed by ERISA law. ERISA governs group policies, which are a part of employer-sponsored benefits. ERISA has many strict deadlines and stringent rules that must be adhered to, or the claimant may receive a denial of their claim.
CCK’s ERISA attorneys track all deadlines to ensure that you do not miss any of them. Moreover, under ERISA, new evidence is not allowed beyond the appeal stage, so we make sure to gather the right evidence early on to prove your claim.
This process can be challenging, but we do not want you to worry about missing deadlines or gathering evidence. We handle these aspects of your claim and/or appeal so that you can focus on managing your condition.
Our Needham LTD Lawyers Will Gather Evidence to Demonstrate You Meet the Definition of Disability
Every policy has a definition of disability. This definition is crucial when you are filing an LTD claim. Claimants must prove they meet this definition by submitting evidence to the insurance company.
Medical records are usually the primary source of evidence; however, these records are rarely sufficient to win a claim and supplemental evidence is often necessary. CCK utilizes a variety of evidence to demonstrate you meet this definition, including:
- Specialized reports from treating physicians: Medical records often do not tell the whole story of a person’s condition. Your treating physicians have valuable insight into how your condition affects you. It is important to maintain an open dialogue with them so that they may fully and accurately describe how your condition prevents you from working.
- Witness statements from family, friends, and coworkers: The people who see you every day see how your condition impacts you. Obtaining official witness statements from family, friends, and coworkers can bolster your claim. Family and friends can explain how your condition affects you at home, while coworkers can explain how your condition affects you in the workplace.
- Outside expert opinions: It is sometimes necessary to have additional medical and/or vocational evidence as part of your claim. Outside experts can provide objective, third-party evidence. CCK works with a variety of outside experts that can provide functional capacity tests, neurophysiological assessments, vocational evaluations, and more.
CCK Can Ease the Burden of Dealing with Insurance Companies
Insurance companies should handle every long-term disability claim neutrally. Claimants should not have to stress about communicating with their insurance company when filing for LTD benefits. However, the reality is that dealing with insurance companies is frustrating and burdensome. Insurance companies often prioritize their financial needs over the health needs of their clients.
Chisholm Chisholm & Kilpatrick has over three decades of collected experience dealing with insurance companies and know how they operate. Our team understands how frustrating it is when the insurance company continuously contacts you and requests more and more information. Therefore, CCK acts as a point of contact between you and your insurance company, ensuring that you never have to deal directly with them.
Insurance companies do not want to pay claims if they can help it. Often, they employ doctors to conduct independent medical exams (IMEs) or private investigators who perform espionage on claimants. They use whatever they can to inject doubt into a claim so that they may deny it. The long-term disability team at Chisholm Chisholm & Kilpatrick will hold the insurance companies accountable and ensure that they handle your claim fairly.
Contact CCK Today for a Free Consultation
When you develop a debilitating condition that prohibits you from working, you must consider filing for long-term disability benefits to protect your income. Moreover, if your insurance company denied your initial claim, you have the right to appeal.
Regardless of where in the LTD process you are, a long-term disability lawyer serving Needham, MA from Chisholm Chisholm & Kilpatrick is ready to assist you. Call us today at 800-544-9144 for a free consultation.
Needham 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 […]
- 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. […]
- 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 […]