Long-Term Disability Lawyer Serving Sherborn, MA
If you develop a medical condition that negatively impacts your ability to work, you may need to file a long-term disability (LTD) claim. The process can be overwhelming and stressful, especially while managing a difficult condition or diagnosis. Whether you need to file an initial claim or appeal a denial of benefits, you do not need to handle it on your own.
A long-term disability lawyer serving Sherborn, MA from Chisholm Chisholm & Kilpatrick LTD can help you navigate the long-term disability process. Call today for a free consultation with a member of our team at 800-544-9144.
Why You Should Contact an Attorney Regarding Your Long-Term Disability Claim
Many claimants choose to handle their long-term disability claim on their own, but there are advantages to seeking the help of an attorney. The attorneys serving Sherborn, MA have 33 years of collective experience working with insurance companies and understand how they operate. An insurance company may prioritize their own business needs before the needs of their insured. An attorney can ensure that your insurance company is not acting in bad faith and is handling your claim fairly.
Our legal team is also knowledgeable in ERISA law, which governs many long-term disability policies. Under ERISA, an insurance plan may be under strict regulations. Missing deadlines can be cause for denial and new evidence cannot be submitted after the appeal stage. We work to ensure that your claim meets all specifications according to ERISA, state law, and your policy.
The attorneys at CCK will evaluate your policy and determine what evidence best supports your claim. We will help you gather the evidence you need from your doctor and other medical or vocational experts. We want to handle burden of your claim for you so that you can concentrate on managing your medical condition.
Our Attorneys Will Demonstrate That You Are Entitled to LTD Benefits
In order to receive long-term disability benefits, you must prove that your condition meets your policy’s definition of disability. Our attorneys will analyze your policy and other plan-governing documents to determine the qualifications you must meet to receive benefits.
Although medical records are often the primary source of evidence in a long-term disability claim, they are often not enough to satisfy your policy on their own. CCK utilizes a variety of evidence to prove your claim, which may include:
- Treating physician reports: Your medical records may not fully document the details of illness or your physician’s observations of your symptoms. A personal report from your physician may provide more insight as to how your condition affects your day-to-day functioning. A report can provide a more in-depth look into your condition and how it prevents you from working.
- Statements from family, friends, and coworkers: Often, others witness the ways your condition has impacted your everyday life. Friends and family may be able to provide statements as to how your condition affects you in your personal life, while coworkers may provide evidence about how it impairs you in the workplace.
- Evaluations from outside experts: Chisholm Chisholm & Kilpatrick works with medical and vocational experts who can provide additional evaluations that demonstrate how your condition warrants benefits. Such evaluations may include functional capacity tests, neuropsychological evaluations, and vocational assessments.
The Team at Chisholm Chisholm & Kilpatrick Takes the Burden of Your Claim Off of You
The lawyers at CCK are ready to help you with your long-term disability claim. We are equipped to handle the completion of necessary documentation and gather strong evidence to send to your insurance company. We can handle the communication with your insurance company and doctors on your behalf. Similarly, if you need to file an appeal after a wrongful denial of benefits, we can evaluate your policy and denial letter to build a strong case for appeal.
If your claim is approved and you begin to receive monthly benefits, your insurance company may require periodic updates of your condition. We can continue to represent you and handle necessary submissions of updated evidence. We will assist you in meeting continual deadlines so that you are not faced with a wrongful termination of benefits. We want you to be able to able to rest and take care of your condition instead of worrying about the long-term disability process. You should be focusing on your health while we handle your claim.
For a Free Consultation on Your Long-Term Disability Case, Call Chisholm Chisholm & Kilpatrick
If you suffer from a medical condition that prevents you from working, you may qualify for long-term disability benefits. The long-term disability attorneys serving Sherborn, MA at Chisholm Chisholm & Kilpatrick are ready to help you with your claim. We can help you prove that you are disabled under the terms of your long-term disability policy to obtain the benefits to which you are fully entitled.
Whether your plan privately purchased or ERISA-governed, we may be able to help. You can contact Chisholm Chisholm & Kilpatrick today for a free consultation with a member of our team at 800-544-9144.
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Sherborn Blog Posts
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Will Severance Affect My Long-Term Disability Benefits?Long-Term Disability (LTD) benefits can protect a person’s income when they are unable to work due to a debilitating medical condition. Often, an employer’s benefits package includes LTD coverage. Such policies are known as “group policies,” which are governed by the federal law known as ERISA. These benefits are necessary for many people, but what […]
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Attending Physician Statements and Long-Term Disability ClaimsWhen you have a medical condition that impairs your ability to work, you may consider filing for long-term disability (LTD) benefits. When you file for long-term disability benefits, there is typically a multitude of forms you must submit to the insurance company. Among these is a form that is often called an “attending physician statement,” […]
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What Is ERISA Litigation?The process to obtain long-term disability (LTD) benefits is comprised of three primary stages: the initial claim; the administrative appeal; and litigation. When an insurance company or other claim administrator denies an appeal, the claimant may file a lawsuit as a next step. In short, ERISA litigation is the process whereby a claimant files a […]