Long-Term Disability Lawyer Serving Southborough, MA

When you develop a medical condition that prevents you from working, you must consider filing for long-term disability (LTD) benefits.  These benefits can help protect your income when you cannot work due to a medical condition or injury.

However, filing for such benefits can be stressful, especially when you must deal with your insurance company.  However, this is not a process you must traverse alone.

A long-term disability lawyer serving Southborough, MA from Chisholm Chisholm & Kilpatrick is ready to assist you.  Whether you are filing an initial claim or appealing a denial of benefits, our team has the experience necessary to help you navigate this complex process.  Call us today at (800) 544-9144 for a free consultation with a member of our team.

Contacting a Long-Term Disability Attorney Can Help Your Claim

Claimants can handle their long-term disability claims on their own, but this can be a daunting task.  Simple mistakes in the claim process can result in a denial of benefits.  Therefore, it is beneficial to consult with an LTD attorney to help with your claim.  A long-term disability attorney can help you avoid simple mistakes that could cost you your benefits.

Our team can begin by evaluating your LTD policy.  Whether you have a group policy through your employer or bought an individual policy yourself, your policy contains a lot of vital information concerning your claim.  Yet these policies are often hard to understand.  A long-term disability insurance lawyer will understand the complexities of these policies.

By evaluating it, we can determine (among other things) your definition of disability.  The definition of disability is important because you must prove your condition meets this definition to receive an approval of benefits.  We will use your policy’s definition to determine the best evidence to gather and submit to the insurance company.  Our team can help you gather this evidence and submit it on your behalf to ensure the insurance company receives everything on time.

Additionally, our attorneys are well-versed in ERISA law, which governs group policies.  ERISA has its own strict deadlines and regulations to which claimants must adhere.  To ensure a fair review of your claim, we identify, track, and meet all ERISA deadlines and regulations so you do not have to worry.

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

To prove your disability to the insurance company, you must submit evidence.  This evidence should demonstrate how debilitating your condition is.  Medical records are your primary source of evidence, but in some cases, they may not be your only evidence.  In many cases, it is vital to submit supplemental evidence to reinforce your claim.  CCK uses a variety of supplemental evidence, such as:

• Specialized reports from your treating physician: Medical reports sometimes do not tell the whole story about your condition. Specialized reports from your treating physician can highlight certain aspects of your condition that your medical records do not.  It is important to maintain an open dialogue with your doctor to ensure they can fully describe how your condition affects you.
• Statements from personal acquaintances: Oftentimes, other people can see how your condition affects you. Obtaining witness statements from personal acquaintances and family members can strengthen your claim and show how far-reaching your condition truly is.  Witness statements from family and friends can show how your condition affects you at home, while similar statements from coworkers can show how your condition affects you in the workplace.
• Evaluations from outside experts: CCK works with several outside experts who can provide your claim with additional medical and vocational evaluations. These can include functional capacity tests, neuropsychological assessments, and vocational evaluations.

CCK Can Alleviate the Stress of Dealing with the Insurance Company

The disability rate between 2016 and 2020 in Southborough, MA was 4.1 percent.  As such, you may find yourself filing for LTD benefits with your insurer.  Insurance companies should handle every case neutrally, but this is not always the reality.  Unfortunately, such companies often worry more about their bottom line; this prioritization of financial needs could lead to a denial of benefits.  Moreover, insurers tend to repeatedly ask for more information throughout the process, which can add stress to an already stressful situation.

CCK understands how difficult it is to file for long-term disability benefits, deal with the insurance company, and manage your health.  We are prepared to help.  First, we can act as a point of contact between you and your insurer.  In short, we will notify them to pass all communication through us.

Chisholm Chisholm & Kilpatrick can alleviate the stress of dealing with the insurance company by submitting all evidence and documentation to them on your behalf.  Insurance companies have deadlines by which you must submit certain materials.  We will track these deadlines and ensure they receive everything.  At CCK, we believe you should not have to worry about your insurance company and instead should focus on what matters most: your health.

Call CCK Today for a Free Consultation

If you suffer from a medical condition or injury that prevents you from working, you must consider LTD benefits.  Regardless of where in the process you are, a long-term disability lawyer serving Southborough, MA from Chisholm Chisholm & Kilpatrick is ready to help you.

Call us today at (800) 544-9144 for a free consultation.  We will evaluate your case and see if we can help.