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Long-Term Disability Lawyer Serving Topsfield, MA

When you receive a diagnosis of a debilitating medical condition that is preventing you from working, you may qualify for long-term disability (LTD) benefits.  These benefits can protect a percentage of your income when you are unable to work due to a medical condition.  However, obtaining these benefits can be time-consuming and difficult.  Luckily, this is not a process you must do on your own.

Whether you are filing an initial claim or appealing a denial of benefits, a long-term disability lawyer serving Topsfield, MA from Chisholm Chisholm & Kilpatrick is ready to assist you.  Call us today at 800-544-9144 for a free consultation with a member of our team.

Why Contacting an LTD Lawyer for Your Topsfield, MA Claim is Beneficial

The disability rate between 2016 and 2020 was 3.6 percent.  Therefore, it is important to understand the long-term disability claim and appeal process.  Filing a claim to receive LTD benefits can overwhelm many claimants.  While claimants may decide to handle their claim on their own, it is always beneficial to consult a long-term disability lawyer.

At CCK, we have over 30 years of collected experience dealing with insurance companies and getting our clients the benefits they deserve.  We understand the difficulties that come with gathering evidence, filling claim forms, and adhering to strict deadlines and regulations.  A long-term disability attorney can lessen the burden of obtaining benefits.  We can help you with your claim forms, track all deadlines, and submit everything on your behalf.

Additionally, if you receive your long-term disability policy through your employer than you must be aware of ERISA.  This federal law governs group policies that employers provide their employees.  ERISA has strict deadlines and regulations to which you must adhere.  An ERISA attorney knows how to handle these regulations to ensure a fair review of your claim.

CCK Can Gather Evidence to Reinforce Your LTD Claim

When filing a claim or an appeal, you must submit evidence to your insurance company.  This evidence will demonstrate how your condition disables you per your policy’s definition of disability.  Medical records are your primary source of evidence, but sometimes these records are not enough.  In such cases, submitting supplemental evidence can reinforce your LTD claim.

CCK utilizes a variety of evidence to help bolster your claim, including:

  • Specialized reports from your treating physician: Obtaining a personalized report from your treating physician can reinforce your claim by focusing on 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 illustrate how debilitating your condition is.
  • Witness statements from personal acquaintances: Other people frequently see how your condition debilitates you and can offer valuable evidence for your claim. Obtaining official witness statements can help demonstrate your disability.  For example, statements from family and friends can show how your condition affects you at home.  Similar statements from coworkers can show how your condition affects you in the workplace.
  • Evaluations from outside experts: CCK works with a several outside experts who can provide additional, third-party evidence to help prove your claim. These experts can provide functional capacity tests, neuropsychological assessments, and vocational evaluations.

CCK Can Alleviate the Stress of Dealing with the Insurance Company

Insurance companies should handle every case fairly.  However, these companies often prioritize their financial needs, which can result in denials of claims.  Moreover, insurers ask for information through the claim process.  The long-term disability team at CCK understands how difficult it can be to correspond with insurance companies.  Therefore, we can act as a point of contact between you and your insurer.

Additionally, if your insurance company issues your claim a denial, you have the right to appeal.  We can review your denial letter, directly address any issues your insurer mentions, gather any updated evidence as necessary, track all ERISA deadlines, and submit a comprehensive appeal package to your insurance company on your behalf.

Further, if you receive an approval of benefits, we can continue to represent you, if necessary.  In some cases, insurance companies continue to ask for updated evidence.  If you miss these requests, or you do not submit this information on time, it could lead to a termination of your benefits.  We want you to retain your benefits so we can ensure your insurer receives everything on time.

Call Chisholm Chisholm & Kilpatrick Today for a Free Consultation

If you suffer from a debilitating medical condition, you may need to file for long-term disability benefits.  Likewise, if your insurance company has denied your initial claim, it is your right to appeal.  Regardless of where you are in the process, a long-term disability lawyer serving Topsfield, MA is ready 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 determine if we can assist you.