Long-Term Disability Lawyer Serving Needham, MA
When you suffer from a medical condition or injury that prevents you from working, it can be overwhelming. Long-Term disability (LTD) benefits may be necessary to protect your income but dealing with the insurance company can be stressful. Yet filing for such benefits is something you must consider. Luckily, it does not have to be a process you traverse alone.
A long-term disability lawyer serving Needham, MA from Chisholm Chisholm & Kilpatrick can help you navigate this complex process. We believe you should focus on treating your condition, not worrying about your insurance company. Call CCK today at 800-544-9144 for a free consultation.
Contacting an LTD Attorney Can Help Your Claim
The disability rate in Needham, MA between 2016 and 2020 was 3.3 percent. As such, it is important to have long-term disability insurance coverage. These benefits can help protect all or a percentage of your income. However, obtaining these benefits can be stressful since you must file a claim with your insurance company. A long-term disability attorney can help your claim as they have the experience necessary to ensure your insurer fairly reviews your case.
Our long-term disability lawyers are well-versed in ERISA law, which governs group policies. You may have a group policy if your employer offers a benefits package. ERISA has its own deadlines and strict regulations to which you must adhere. Simple mistakes can be detrimental to your claim, so having an ERISA attorney to assist you can help ensure your insurance company receives everything they require on time.
Additionally, our team can evaluate your policy; determine the best evidence to gather to prove your claim; track all ERISA deadlines; and, if necessary, we can handle all aspects of your appeal. In short, we can help you at any point in the LTD claim and appeal process.
CCK Can Gather Evidence to Bolster Your Long-Term Disability Claim
Medical records are your primary source of evidence when you file for long-term disability benefits. Some claims, however, need supplemental evidence to receive an approval. All policies contain a definition of disability that you must prove you meet to receive your benefits. This definition can help determine the best supplemental evidence to gather and submit to the insurance company. We utilize several types of supplemental evidence for our clients. We can gather this evidence and submit it on your behalf. Supplemental evidence can include:
- Reports from your treating physician: Medical records often do not tell the whole story of your condition. Supplementing these records with specialized reports from your treating physician is beneficial for your claim. These reports can highlight certain debilitating aspects of your condition that your medical records do not. Therefore, it is important to maintain an open dialogue with your doctor so that they may fully describe your condition.
- Statements from personal acquaintances: Personal acquaintances often see how your condition affects you and can offer valuable supplemental evidence. Obtaining witness statements from family, friends, and coworkers can show how far-reaching your condition is, both at home and work.
- Evaluations from outside experts: CCK works with medical and vocational experts who can provide additional, objective evidence for your claim. These experts can provide functional capacity tests, neuropsychological assessments, and vocational evaluations.
Our Team Can Ease the Burden of Dealing with the Insurance Company
The legal team at CCK can help you deal with your insurance company. While insurance companies should handle every case neutrally, this is not often the reality. Unfortunately, insurance companies prioritize their bottom line rather than the needs of their clients. In short, if an insurance can discover a reason to deny a claim, they will.
The long-term disability lawyers serving Needham, MA from Chisholm Chisholm & Kilpatrick can act as a point of contact between you and your insurer. In other words, all communication from the insurance company will come through us, first. We believe you should not have to worry about the relentless requests for information and instead should focus on your well-being.
Moreover, if your insurance company denies your initial claim, we can help with your appeal. Our team will evaluate your insurance company’s denial letter, directly address any issues they mention, gather any necessary evidence to get on the record, track all appeal deadlines, and more.
In some cases, after you begin receiving LTD benefits, the insurance company can still contact you asking for updates on your condition. When claimants do not respond to these requests, their benefits may be terminated. In certain cases, CCK can continue to act as a point of contact and submit these requests on time to ensure you retain your benefits.
Call CCK Today for a Free Consultation
If you suffer from a condition that makes it difficult or impossible to work, then you must consider filing for long-term disability benefits. Obtaining these benefits, however, can be stressful, especially when you are trying to manage your condition. A long-term disability lawyer serving Needham, Ma from CCK can help assist you through this process.
Call us today at 800-544-9144 for a free consultation. A member of our team will evaluate your case, and we will see if we can help you.
Needham Blog Posts
- Independent Medical Exams (IME) for Long-Term Disability Claims
Filing for long-term disability benefits is often stressful for insured employees who develop a debilitating medical condition. There is a myriad of issues they may face, including the waiting period; the maximum benefit period, and others. One of the most common issues that LTD claimants face is when their insurer requests they attend an independent […]
- The Value of Vocational Evidence in Long-Term Disability Claims
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