Long-Term Disability Lawyer Serving North Andover, MA

When you suffer from a debilitating medical condition that prevents you from working, it can be difficult to know what to do.  However, when a condition or injury prevents you from working, you must consider filing for long-term disability (LTD) benefits.  These benefits can help protect a percentage of your income when you cannot work due to a disability.

Yet this process can be overwhelming.  A long-term disability lawyer serving North Andover, MA from Chisholm Chisholm & Kilpatrick can assist you regardless of where you are in the process.  Call us today at 800-544-9144 for a free consultation with a member of our team.

How an LTD Lawyer Can Help with Your Claim

The disability rate between 2016 and 2020 in North Andover, MA was 7.4 percent.  As such, it is important to have long-term disability insurance so that you may protect your income when you suffer from a disability.

However, the process of filing for LTD benefits can be challenging for claimants.  It is possible to handle your claim or appeal on your own, but it is beneficial to consult with a long-term disability lawyer to help you obtain your benefits.

The LTD team at Chisholm Chisholm & Kilpatrick is ready to assist you wherever in the process you are.  We can review your policy, ascertain its definition of disability, and gather relevant evidence to submit with your claim or appeal.  The claimant forms can be overwhelming, but we can assist you so that you do not miss anything.

Moreover, if you have a group LTD policy through your employer, then you must be aware of ERISA law.  ERISA is a federal law that governs group policies and has its own deadlines and strict regulations.  Unfortunately, this law commonly benefits the insurance company.  Therefore, consulting with an ERISA attorney is vital to ensure you meet all deadlines and adhere to all regulations to ensure a fair review of your claim.

CCK Can Gather Relevant Evidence to Help Prove Your LTD Claim

You must submit evidence to your insurance company to receive an approval of your claim or appeal.  This evidence should demonstrate that your condition meets your policy’s definition of disability.  Medical records are often your primary source of evidence, but in some cases, you may need to submit supplemental evidence, too.

Chisholm Chisholm & Kilpatrick can gather this evidence and submit it on your behalf to your insurer.  Supplemental evidence may include:

• Specialized reports from your treating physician: Your medical records do not always tell the whole story on your condition. Thus, having a specialized report from your treating physician can reinforce your claim.  These reports can focus on specific aspects of your condition that your medical records do not.  Therefore, it is vital to maintain an open dialogue with your doctor so that they may fully explain your condition in the report and how it disables you.
• Witness statements from personal acquaintances: Oftentimes, friends and family see how your condition affects you. Likewise, coworkers see how your condition prevents you from doing the duties of your job.  Obtaining official witness statements from family, friends, and coworkers can show how far-reaching and debilitating your condition is.
• Evaluations from outside experts: CCK works with several outside experts who can provide objective, third-party evidence for your claim. This evidence can include additional medical and vocational evaluations.

CCK Can Alleviate the Stress of Dealing with the Insurance Company

Insurance companies should handle every claim fairly, but this is not always the reality.  CCK has over three decades of collective experience dealing with insurance companies.  We know how they operate.  We can act as a point of contact between you and them.  In short, they will pass all communication through us.  This frees up your time to focus on managing your condition.

Insurance companies routinely prioritize their bottom line rather than the needs of their clients.  This can result in denials of benefits.  We will ensure a fair review of your claim and hold your insurer accountable.  Moreover, we will track any deadlines your insurance company may have.

Additionally, if your insurance company issues your claim a denial, you have the right to appeal.  Chisholm Chisholm & Kilpatrick can help you submit a comprehensive appeal package to your insurer.  We will review your denial letter; ascertain the issues your insurer cites as the reasons for the denial; directly address these issues in your appeal; and submit everything on your behalf.

Call us Today for a Free Consultation

If you suffer from a condition that prevents you from working, you must consider filing for LTD benefits.  Whether you are filing an initial claim or appealing a denial of benefits, we may be able to help you.  If necessary, we can also represent you during litigation, which can be difficult under ERISA.  Our legal team serving North Andover, MA understands how overwhelming filing for benefits while suffering from a medical condition can be, and we want to help.

Call us today at 800-544-9144 for a free consultation with a member of our team.  We will evaluate your case and see if we can assist.