Long-Term Disability Lawyer Serving Westwood, MA
Suffering from a debilitating medical condition can make filing for long-term disability (LTD) benefits burdensome. However, for many, these benefits may be necessary. These benefits can protect a percentage of your pre-disability earnings when you can no longer work due to a disability. If you suffer from a condition that makes it difficult or impossible to work, then you must consider filing for such benefits.
Regardless of whether you are filing an initial claim or appealing a denial of benefits, a long-term disability lawyer serving Westwood, MA from Chisholm Chisholm & Kilpatrick is ready to assist you. Luckily, this is not a process you must traverse alone. Call us today at (800) 544-9144 for a free consultation with a member of our team.
Contacting a Long-Term Disability Lawyer is Beneficial for Your Claim
The disability rate between 2016 and 2020 in Westwood, MA was 3.5 percent. Therefore, it is vital to understand the long-term disability process.
While it is possible for claimants to handle their claims alone, it is beneficial to contact a long-term disability lawyer. An attorney understands the entire process and can help you avoid mistakes that could, potentially, result in a denial of your claim.
Our LTD attorneys serving Westwood, MA understand how difficult and stressful it is to file for benefits. The long-term disability attorneys from Chisholm Chisholm & Kilpatrick can thoroughly review your policy. These policies contain a lot of vital information concerning your claim, but they can also be difficult to understand.
Every LTD policy contains a definition of disability. You must prove your condition meets this definition to receive an approval of your claim. CCK will use your policy’s specific definition of disability to determine the best evidence to collect. We can submit this evidence to the insurance company on your behalf. When you allow a long-term disability lawyer to help you, you ensure that you avoid simple mistakes that could be detrimental to your claim or appeal.
Additionally, when you have a group policy through your employer, you must be aware of ERISA. ERISA, or The Employee Retirement Income Security Act of 1974, is a federal law that governs group LTD policies. This law has its own stringent regulations and deadlines to which you must adhere. An ERISA attorney understands this law and can help you navigate it so that your claim receives a fair review from your insurance company.
We Can Gather Evidence to Prove Your Disability and Reinforce Your LTD Claim
To receive an approval of your long-term disability benefits, you must submit evidence. Medical records are often your primary source of evidence, but these records are not always sufficient by themselves. In such cases, it is usually necessary to submit supplemental evidence. CCK can gather this evidence and submit it to your insurance company. We utilize various forms of supplemental evidence to reinforce your LTD claim, such as:
- Specialized reports from your treating physician: Your medical records may benefit from a specialized report from your treating physician, especially if there are aspects of your condition not fully examined in your records. Your physician can offer unique insights into how your disability affects you and why you need benefits. It is important to maintain an open dialogue with your doctor so that they may accurately describe your situation.
- Statements from personal acquaintances: In your day-to-day life, others see how your condition disables you. As such, obtaining official witness statements from them can bolster your claim. Statements from close friends and family can attest to how your condition inhibits you at home. Likewise, witness statements from coworkers illustrate how your condition affects you at the workplace.
- Evaluations from outside experts: Our team works with several outside experts who can provide additional medical and vocational evaluations. Medical evaluations can include functional capacity tests and neuropsychological assessments. Likewise, a vocational expert can provide a vocational evaluation to show how your condition specifically affects you at your job.
CCK Can Alleviate the Stress of Dealing with the Insurance Company
We want to ease the burden of filing for long-term disability benefits. At CCK, we believe you should not have to worry about this process, nor should you worry about dealing with your insurance company. Instead, we want to free up your time so that you may focus on what is most important: your health.
Insurance companies often prioritize their financial needs. This often results in numerous claim and appeal denials. The long-term disability insurance attorneys from Chisholm Chisholm & Kilpatrick have over three decades of collective experience dealing with such companies. We know how they operate and work to ensure they handle your claim or appeal fairly. Insurers constantly ask for information, so CCK can act as a point of contact between you and them.
Additionally, if your initial claim receives a denial, you have the right to appeal. A long-term disability attorney serving Westwood, MA may be able to assist you. We can review your denial letter, address any specific issues your insurer mentions, track all appeal-related deadlines and regulations, and submit a comprehensive appeal package to the insurance company.
Call Chisholm Chisholm & Kilpatrick Today for a Free Consultation
If you suffer from a condition that prevents you from working, you may qualify for long-term disability benefits. Our legal team serving Westwood, MA from Chisholm Chisholm & Kilpatrick is ready to assist you. We can help prove your disability so that you may begin receiving the benefits you deserve.
Whether you have an ERISA-governed policy or a privately bought policy, we may be able 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.
Westwood Blog Posts
- Why Long-Term Disability Benefits May Be Terminated After Initial Approval
If you have a disabling health condition that keeps you out of work, you may be receiving long-term disability (LTD) benefits. While it is a relief to be approved after the process of filing a claim, it is important to keep in mind that an insurance company can still find a reason to terminate your […]
- How Long Can You Stay on Long-Term Disability (LTD)?
When you are unable to work due to a medical condition or injury, you may file for long-term disability (LTD) benefits. Long-term disability insurance benefits are meant to protect a percentage of your pre-disability earnings when you cannot work for an extended period. However, you may wonder how long you can receive these benefits. There […]
- What Happens to Long-Term Disability (LTD) Benefits If I Lose My Job?
Long-term disability (LTD) benefits are important for those who have a medical condition that prevents them from working. These benefits protect a percentage of a person’s income, usually between 60 and 80 percent of their pre-disability earnings. Yet what happens if they lose their job while receiving benefits? Generally, when you lose your job, it […]