Long-Term Disability Lawyer Serving Norwell, MA

Obtaining long-term disability (LTD) benefits can be difficult.  When you develop a debilitating medical condition, however, these benefits are often necessary.  Unfortunately, dealing with the insurance company when filing an LTD claim is often stressful.  Luckily, this is not a process you must do alone.

A long-term disability lawyer serving Norwell, MA from Chisholm Chisholm & Kilpatrick understands these difficulties that claimants face.  As such, our team at CCK wants to help you obtain your rightfully deserved benefits.  Call us today at 800-544-9144 for a free consultation with a member of our team.

Contacting an Attorney Can Help Your Norwell LTD Claim

The disability rate in Norwell, MA between 2016 and 2020 was 4.3 percent.  As such, it is important to have long-term disability coverage to help protect your income should you find yourself unable to work due to a medical condition.  While it is possible to handle these claims on your own, it is beneficial to consult with an LTD attorney who can guide you.  A long-term disability lawyer can help alleviate the stress that comes with filing a claim.

ERISA law governs group LTD policies.  You may have a group policy if you have a benefits package through your employer.  As such, having an ERISA attorney is vital when filing a claim, since ERISA has strict deadlines and regulations to which you must adhere.  Our attorneys will make sure your claim adheres to these regulations and will ensure your insurance company receives everything on time.

Chisholm Chisholm & Kilpatrick’s long-term disability insurance lawyers can evaluate your policy; ascertain your policy’s definition of disability; determine and gather the best evidence to reinforce your claim; and submit everything on your behalf.  In short, we can help with every aspect of your LTD claim so that you can obtain the benefits you need.

We Can Gather Evidence to Prove Your Long-Term Disability Claim

You must submit evidence to your insurer proving your condition meets your policy’s definition of disability.  Medical records are your primary source of evidence.  Some claims, however, need supplemental evidence to receive an approval of benefits.

CCK utilizes several types of supplemental evidence.  We can gather this evidence for you and submit it on your behalf to your insurer.  Supplemental evidence can include:

• Reports from your treating physician: Medical records often do not tell the entire story about your condition and obtaining a specialized report from your treating physician can provide insights into how impairing your condition truly is. As such, it is important to maintain open communication with your doctor so that they may fully describe your condition.
• Statements from personal acquaintances: Others have likely seen how your condition affects you, both at work and at home. For example, family and friends can attest to how your condition affects you at, but coworkers can vouch for how your condition affects you at work.  Obtaining official witness statements from your personal acquaintances can significantly strengthen your claim.
• Evaluations from outside experts: CCK works with several outside medical and vocational experts who can provide your claim with additional evaluations. These evaluations, which can include functional capacity tests and vocational assessments, can bolster your claim by providing objective evidence.

CCK Can Ease the Burden of Dealing with the Insurance Company

Insurance companies should handle every claim fairly.  However, this is not always the reality.  Instead, insurance companies tend to prioritize their financial needs over the needs of their clients.  This results in denials of benefits.  The long-term disability insurance attorneys at Chisholm Chisholm & Kilpatrick have over 30 years of collected experience dealing with these big insurance companies.  We know how they operate.  We will hold them accountable and ensure that they handle your claim neutrally.

CCK can act as a point of contact between you and your insurer.  Often, insurance companies relentlessly ask for more information, but when we represent you, these communications must pass through us first.  This can free up your time so that you may focus on your well-being instead of worrying about corresponding with your insurer.

Moreover, if your insurance company issues your initial claim a denial, you have the right to appeal.  Your insurance company should send you a denial letter, and in this letter, you should find the reasons as to why they issued a denial.  When you appeal, it is important to address these issues directly.  CCK can handle your appeal for you.  We will track all appeal deadlines, review your denial letter, address any issues your insurer had about your initial claim, submit everything on your behalf, and represent you during litigation should they issue your appeal a denial.

Call CCK Today for a Free Consultation

If you suffer from a debilitating medical condition that prohibits you from working, you must consider filing for long-term disability benefits.  It is beneficial to contact an LTD lawyer who has the experience necessary to avoid common mistakes and ensure a fair review of your claim.

Call CCK 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 help.