Long-Term Disability Lawyer Serving Wrentham, MA
Filing a long-term-disability (LTD) claim can be overwhelming. When you must deal with the insurance company, it can seem nearly impossible—especially if they deny your claim. Regardless of where you are in the process, you do not have to do it alone.
A long-term disability lawyer serving Wrentham, MA from Chisholm Chisholm & Kilpatrick may be able to assist you during this stressful time. Call us today at 800-544-9144 for a free consultation.
How Can a Long-Term Disability Attorney Serving Wrentham Help Me with My Claim?
In Wrentham, MA, the disability rate between 2015 and 2019 was 5.7 percent for those aged 65 and younger. Many claimants decide to handle their long-term disability claims by themselves; however, it is beneficial to have an LTD attorney help because they understand all aspects of the claim process.
The lawyers serving Wrentham, MA from Chisholm Chisholm & Kilpatrick have over three decades of collective experience. Throughout our practice, we have successfully filed LTD claims for anesthesiologists, bankers, and many other professionals. We have worked with insurance companies and know how they operate.
As such, our team does not believe you should have to worry about dealing with the insurance company. Instead, we believe you should focus on managing your condition. The LTD team at CCK acts as a point of contact between you and the insurance company. This ensures you never have to directly deal with them.
Additionally, our attorneys have experience with ERISA law. ERISA law governs group policies, which are employer provided. An ERISA attorney understands the complexities that come with ERISA law. For example, ERISA comes with its own set of strict deadlines. Our team tracks all deadlines and submits all required items on time. Oftentimes, a missed deadline results in a denied claim or appeal.
Under ERISA, you may not submit new evidence after the appeal stage. Therefore, it is imperative to collect the best evidence to strengthen your claim. Saving some of the best evidence for later is a common claim mistake. Our team will thoroughly review your long-term disability policy to determine what evidence you should submit. We will help gather this information for you.
CCK Will Gather the Best Evidence for Your LTD Claim
Every long-term disability policy includes a definition of disability. To receive your benefits, you must prove you meet this definition. Evidence is necessary to support your claim and show that you require LTD benefits.
Often, medical records are your primary source of evidence, but these records are rarely sufficient by themselves to win a claim. Supplemental evidence bolsters your claim and illustrates why you need long-term disability benefits. CCK will gather the best supplemental evidence for your LTD claim. This supplemental evidence can include:
- Specialized reports from treating physicians: Obtaining a specialized report from your treating physician can significantly strengthen your claim. Medical reports often do not fully represent the full extent of your condition. Your doctor has insights that can show how your condition impacts you each day.
- Statements from family, friends, and coworkers: The people you see every day see how your condition affects you daily. Official witness states are invaluable pieces of supplemental evidence. Your family and friends can vouch for how your condition impairs you at home while your coworkers can vouch for how your condition impairs you at work.
- Evaluations from outside experts: CCK works with various outside experts. These experts provide additional opinions, evaluations, and assessments on your condition. For example, a vocational expert can assess how your condition affects your ability to do your specific job. Other evaluations include functional capacity and neurophysiological assessments.
CCK Will Lessen the Burden of Dealing with the Insurance Company
Insurance companies should handle every claim fairly. However, they often prioritize their financial needs over the health needs of their clients. This results in wrongful denials of claims and repeated requests for additional information, adding unnecessary stress to the LTD claim process. Chisholm Chisholm & Kilpatrick want to alleviate this stress so that you may focus on what is most important: your health. Our lawyers have helped clients secure LTD benefits for a wide range of medical and mental health conditions, including:
- Kidney disease,
- Hypertension,
- Anxiety and depression, and
- Post-traumatic stress disorder (PTSD)
Our team handles the completion of all forms, and we gather all evidence required by your insurance company. If your insurance company denies your claim, we thoroughly review the denial letter. When you appeal, it is best to include updated evidence and documentation.
Furthermore, the long-term disability insurance attorneys at CCK handle all communication with the insurance company and with your doctors. We want to make this a worry-free process for you.
Call CCK Today for a Free Consultation
A debilitating health condition can make it impossible to work. When this happens, you must consider filing for long-term disability benefits. These benefits will protect your income so you can focus on your well-being. Whether you are submitting an initial claim or appealing a denial or termination of benefits, CCK may be able to help.
Our long-term disability lawyers serving Wrentham, MA want to lessen the burden of filing for LTD benefits. We understand how stressful it is. We are prepared to fight for your disability benefits. Call us today at 800-544-9144 for a free consultation with a member of our team.
Wrentham Blog Posts
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Why ERISA Was Enacted And How It Should Benefit You TodayERISA, or the “Employee Retirement Income Security Act of 1974,” is a federal law. The U.S. House of Representatives enacted ERISA to implement rules and standards plan administrators must follow to protect individuals who have employer-provided benefit plans. These plans include pensions; retirement funds; welfare benefits; health benefits; and 401(k)s. It also covers most employer-provided […]
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Effective Communication and Long-Term Disability ClaimsLong-term disability insurance can be purchased by individuals or can be received through your employer. If you lose income due to a covered disability, long-term disability insurance will replace all or some of your income and may provide other benefits. In order to receive these benefits, you must file a claim with your insurer. This […]
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Individual Long-Term Disability Insurance PoliciesMany hard-working professionals spend their entire lives building their careers. Thus, it can be difficult to cope with the prospect of losing the ability to work. In such circumstances, people must consider filing for long-term disability (LTD) benefits if they have that coverage available to them. However, the LTD process can differ depending on what […]