Long-Term Disability Lawyer Serving Norfolk, MA
If you develop a medical condition that prevents you from working, you may need to file for long-term disability (LTD) benefits. This process can be very stressful, especially when you are trying to manage your condition at the same time. Regardless of where you are in the process, Chisholm Chisholm & Kilpatrick wants to assist you. We have the experience necessary to help you get the benefits you need.
A long-term disability lawyer serving Norfolk, 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.
How a Long-Term Disability Attorney Can Assist You with Your Claim
The disability rate for people under 65 in Norfolk, MA between 2015 and 2019 was 4.1 percent. Some claimants handle their long-term disability claims alone, but there are several reasons contacting an attorney for help can be beneficial. The LTD attorneys from Chisholm Chisholm & Kilpatrick serving Norfolk, MA can help by first evaluating your long-term disability policy. Your policy has a lot of valuable information, and our legal team will use that information to determine the best evidence to gather to prove that you meet your policy’s definition of disability.
Moreover, our dedicated long-term disability insurance attorneys understand the difficulties that come with filing an LTD claim, especially when it comes to dealing with insurance companies. While insurance companies should handle every claim fairly, this often does not happen. Instead, insurance companies routinely prioritize their own business needs over the health needs of their clients. Our legal team has over three decades of experience dealing with insurance companies and know how they operate. We ensure that your insurance company handles your claim fairly, and we will act as a point of contact so you never have to deal directly with them.
If your long-term disability policy is part of an employee-offered benefits program, then ERISA law governs it. This is important because if your insurance company denies your initial claim, the appeal stage is the last time you may submit new evidence. Additionally, ERISA has strict deadlines that when missed can trigger a denial of your claim or appeal. An ERISA attorney knows how to navigate these claims to avoid such denials. We submit all evidence and documentation on time, so you do not have to worry about it.
CCK Will Gather the Best Evidence to Prove Your LTD Claim
Medical records are often the primary source of evidence for an LTD claim. However, medical records alone are often not enough to win a claim. Supplemental evidence is needed to prove that you meet the definition of disability as set forth in your long-term disability policy. This evidence can include documentation of your visits to medical facilities, such as Physical Therapy & Sports Rehab, Inc.
A long-term disability attorney knows the best evidence to submit in order to receive benefits. The attorneys at CCK gather various forms of supplemental evidence to bolster your claim, including:
- Specialized reports from treating physicians: Your treating physician has important insights into how your condition affects you. Obtaining a specialized report from your treating physician can show how impactful your condition is in ways that ordinary medical records cannot.
- Witness statements from family, friends, and coworkers: Oftentimes, the people close to you can vouch for how your condition impairs you in your private and work life. Therefore, obtaining witness statements from family members, close friends, and coworkers can show the far-reaching impact of your condition.
- Outside expert opinions: Obtaining third-party opinions about your condition can increase your chances of approval. Chisholm Chisholm & Kilpatrick work with a variety of outside experts who can perform additional evaluations of your condition. These can include functional capacity, neurophysiological, and vocational evaluations.
CCK Can Alleviate the Burden of Filing for Long-Term Disability Benefits in Norfolk
Filing a long-term disability claim is daunting, but you do not have to do it alone. CCK understands the burden associated with the LTD claim process, and we want to alleviate this burden so you can focus on your health. We handle all communication between you and your insurance company and doctors.
Additionally, we ensure that all evidence adheres to the strict rules of your long-term disability policy. It is important to make sure everything complies with the terms of your policy to avoid your insurance company finding a reason to deny your claim. Insurance companies do not want to pay out claims if they can help it, so we make sure you have everything you need to prevent this from happening.
Once the insurance company approves your claim, we do not stop representing you. Oftentimes, insurance companies continue to require updated evidence and documentation while you are receiving benefits. If you do not submit these items in a timely manner, they may terminate your coverage. Chisholm Chisholm & Kilpatrick will ensure that this does not happen by continuing as your point of contact and submitting all the necessary documentation so that you may retain your benefits.
Contact CCK Today for a Free Consultation Concerning Your Claim
If you are impaired at work because of a debilitating health condition and need to file for long-term disability benefits, a long-term disability lawyer may be able to help you. Our experienced legal team wants to assist you so that you may focus on your health and get the benefits you deserve without having to worry about the insurance company denying your claim.
Whether you are filing an initial claim, appealing a denial of benefits, or going to litigation, the long-term disability lawyers serving Norfolk, MA from Chisholm Chisholm & Kilpatrick will fight for your right to LTD benefits. Call us today at 800-544-9144 for a free consultation concerning your claim to see how we may help you.
Norfolk Blog Posts
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Long-term disability (LTD) benefits are important for those who have a medical condition that prevents them from working. These benefits protect a percentage of a person’s income, usually between 60 and 80 percent of their pre-disability earnings. Yet what happens if they lose their job while receiving benefits? Generally, when you lose your job, it […]
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