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Long-Term Disability Lawyer Serving Newton, MA

Developing a medical condition that negatively impacts your ability to work can be upsetting and difficult, and filing a long-term disability (LTD) claim can make it even more overwhelming.  Your long-term disability policy  will typically cover a portion of your salary if you are unable because of your disability, but the process of applying for and receiving benefits does not always go smoothly.  Fortunately, this is not a process you need to handle on your own.

Long-term disability attorneys and professionals serving Newton, MA from Chisholm Chisholm & Kilpatrick LTD are available to help you navigate the long-term disability process and shoulder some of the burden.  You can call today for a free consultation with a member of our team at 800-544-9144.

How an Attorney can Assist with your Long-Term Disability Claim

While claimants can handle their long-term disability claim or appeal on their own, your claim can greatly benefit from having an attorney involved.  Insurance companies are supposed to act in the sole interest of their claimants, but that is unfortunately not always the case and they often prioritize their own interests.

The attorneys at Chisholm Chisholm & Kilpatrick have 33 years of collective experience engaging with insurance companies in such situations and know the best practices to get claimants the benefits they deserve.  We understand the particularities that are involved in long-term disability claims and work to gather the evidence insurance companies want.  Our aim is to make sure your claim is being treated correctly by the insurance company according to the law.

Long-term disability claims and appeals must be filed in accordance with strict deadlines.  If those deadlines are missed, it can result in a denial or loss of rights to your long-term disability benefits.  Chisholm Chisholm & Kilpatrick’s long-term disability attorneys may be able to help you identify and stay on track with deadlines related to your claim or appeal.  We can work with you every step of the way, whether you are filing an initial claim or starting the appeal process.

Long-Term Disability Insurance 101

Proving That You Are Entitled to Long-Term Disability Benefits

Whether it is filing for your initial long-term disability claim or appealing a wrongful denial or termination of benefits, our attorneys are able help gather and analyze evidence to support your disability.   They will meticulously examine your long-term disability insurance policy and other plan-governing documents to form a strategy to build or support your claim.

In order to build a strong case, CCK attorneys will gather evidence beyond medical records, though these records are often the primary source of evidence for a disability.  Medical records are not, however, the only way to prove your inability to work.  Additional forms of evidence may include:

  • Reports by treating physicians: Your medical records might not fully document the extent of your disability, so supplemental documentation from your physician can be strong evidence. These observations from your physician may highlight symptoms that impact your daily functioning and explain why they hinder your ability to work.
  • Statements from personal references: It is likely that friends, family, or coworkers have observed how your condition impacts your daily life and seen the negative effects it has on your ability to work. Statements from these personal contacts can bolster the evidence for your disability claim.
  • Expert evaluations: Chisholm Chisholm & Kilpatrick might determine that your claim could be further supported by opinions from vocational experts. CCK works with several professionals and experts who can perform additional examinations to provide further evidence of your disability.  These examinations can include capacity evaluations, neuropsychological evaluations, and vocational evaluations.

CCK Will Take the Weight of Dealing with the Insurance Company Off your Shoulders

No matter where you are in the long-term disability process, CCK is ready to assist you.  We can help you with your initial claim by gathering all necessary evidence to send to the insurance company or completing required claim forms.  If your claim has been denied or terminated, we will analyze your claim file, develop a comprehensive appeal strategy, and compile evidence to demonstrate why you are entitled to long-term disability benefits according to your insurance company’s definition of disability.

CCK is prepared to handle all communications between you and your insurance company and ensure you stay up to date with necessary requests for information.  Our attorneys will bear the weight of the long-term disability insurance process so that you are able to take care of your medical condition without the added stress.

Even after your claim is approved and you are receiving benefits, insurance companies may still request further information and documentation.  Our legal team is prepared to offer you continued assistance so that you can remain as worry-free as possible.  We know being unable to work due to your long-term disability can be a heavy burden, and we have the experience to make this process as stress-free as possible.

Contact Chisholm Chisholm & Kilpatrick for a Free Consultation

If you are unable to work due to a debilitating medical condition, you should be focusing on your health instead of dealing with filing a long-term disability claim.  If you need assistance in filing an initial claim or appealing a wrongful denial of benefits, the long-term disability attorneys at Chisholm Chisholm & Kilpatrick are here to help.  We know insurance companies can make this process confusing and difficult, and our expertise will help you navigate this process smoothly.  Whether your long-term disability insurance is ERISA-governed or privately purchased, contact us at 800-544-9144 today for a free consultation to see if we can assist you with your claim.