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Long-Term Disability Lawyer Serving Stow, MA

It can be overwhelming when a doctor diagnoses you with a medical condition that impacts your ability to work.  When this happens, you may have to file a long-term disability (LTD) claim, which only adds more stress to an already stressful situation.  Whether you are filing an initial claim or appealing a denial of LTD benefits, the long-term disability lawyers serving Stow, MA at Chisholm Chisholm & Kilpatrick may be able to help.

Managing your health is a top priority and dealing with an LTD claim can make it hard to focus.  Call Chisholm Chisholm & Kilpatrick today at 800-544-9144 to see how we may be able to assist you.

Why You Should Contact an Attorney for Your Long-Term Disability Claim

Many people handle their LTD claims alone.  However, getting a Stow long-term disability attorney to assist in the process can be beneficial.  Insurance companies, for example, can be difficult to correspond with because often they prioritize their own business needs over your health needs.  This is because they do not want to pay claimants if they can help it.

Our legal team at Chisholm Chisholm & Kilpatrick has over thirty years of collective experience working with insurance companies and understands how they operate.  We will fully review your LTD policy and evaluate the definition of disability located therein.  This definition is very important to understand because it defines what terms you must meet to qualify for benefits.  We will help you understand this definition and gather the necessary evidence to prove your claim.

ERISA law governs group policies and navigating these laws can be difficult.  There are many strict deadlines you must meet, and you cannot submit evidence beyond the appeal stage.  An ERISA attorney from Chisholm Chisholm & Kilpatrick can aid you through the process so that you do not have to worry about deadlines or documentation.

long-term disability Claim and Appeal Process flow chart

Our Team Will Gather Evidence to Prove Your Disability for LTD Benefits

Medical records are the primary evidence you submit as part of your claim.  However, medical records are usually not enough to win.  You often need supplemental evidence to bolster your claim.  CCK’s long-term disability insurance lawyers will gather the best possible evidence to strengthen your claim based on your policy’s definition of disability, including:

  • Specialized reports from your treating physician: Specialized reports offer more than just medical records because they include observations from your physician about how your condition affects your daily life. This sort of information goes beyond just the basic diagnosis found in a medical record.
  • Statements from family, friends, and coworkers: Witness statements bolster the strength of your claim significantly because they can show your condition specifically affects you both at home and at work. Statements from family members or close friends can demonstrate how your condition inhibits you in your personal life, and statements from coworkers can attest to how your condition affects you at work.
  • Outside expert opinions: Procuring opinions from outside experts can serve as great pieces of supplemental evidence. These evaluations are objective third-party evidence.  CCK works with various outside experts that can conduct additional evaluations (i.e., functional capacity, neuropsychological, and vocational evaluations) to illustrate how your condition affects you.

CCK Takes the Burden of Dealing with the Insurance Company Off Your Shoulders

Although insurance companies should handle each case fairly, this does not always happen.  This often results in wrongful denials of benefits.  Moreover, it may lead to repeated requests for additional information, even after they have approved your claim.  Insurance companies add a lot of stress to the process.  The long-term disability lawyers serving Stow, MA at Chisholm Chisholm & Kilpatrick understand this and want to take this burden off your shoulders.

The legal team at CCK can act as a point of contact between you and the insurance company.  This means that we will handle all correspondence, freeing up your time so you can focus on managing your health.  By handling this correspondence, we ensure that you do not have to deal with the insurance company while also making sure they receive all documentation on time.

We will continue to handle all communication with the insurance company even after they approve your benefits.  Oftentimes, insurance companies continue to ask for documentation.  We will make sure that the insurance company receives this updated information so that you do not lose your benefits.

Call Chisholm Chisholm & Kilpatrick for a Free Consultation with a Member of Our Team Today

If you suffer from a medical condition that prevents you from working, you may need to file a long-term disability claim.  You should not have to worry about filing an LTD claim while also worrying about your health.  Regardless of where in the process you are—whether you are filing an initial claim or appealing a denial of benefits—our legal team serving Stow, MA at Chisholm Chisholm & Kilpatrick may be able to assist you.

We are prepared to fight for your long-term disability benefits.  Call us today at 800-544-9144 for a free consultation with a member of our team.