Long-Term Disability Lawyer Serving Allendale, NJ
When you develop a debilitating medical condition that prevents you from working, you must consider filing for long-term disability (LTD) benefits. These benefits can help protect your income so that you may receive the treatment you need. However, securing these benefits from your insurance company is rarely easy. A long-term disability lawyer serving Allendale, New Jersey from Chisholm Chisholm & Kilpatrick is ready to assist you.
This is not a process you must do alone. Regardless of what stage you are in, CCK has the expertise necessary to help you. Call CCK today at 800-544-9144 for a free consultation with a member of our team.
A Long-Term Disability Lawyer Can Help Your Claim
In Allendale, NJ, the disability rate between 2016 and 2020 was 2.5 percent. If you live in Allendale and have a disabling condition, you may need to file a claim for LTD benefits.
Some claimants may decide to handle their LTD claim on their own. However, this poses several risks. Since long-term disability claims are often complex, especially under ERISA, it is easy to make common mistakes. Even a simple mistake can lead to a denial of your benefits. Thus, a long-term disability lawyer can help you with your claim and ensure that you avoid these missteps.
Long-term disability policies are difficult to understand. Yet they contain a lot of invaluable information necessary for a successful claim. CCK can help you make sense of your policy and its contents. This information can include the maximum benefit period, the waiting period, the definition of disability (which is vital for your claim), and more. Further, we can collect all documentation and evidence and submit it on your behalf.
If you have an ERISA-governed policy, then we will ensure that it is compliant with this federal law. ERISA often benefits the insurance company and brings its own strict deadlines and regulations that you must follow.
CCK Can Collect Supplemental Evidence to Strengthen Your LTD Claim
Medical records are most claimants’ primary source of evidence to prove that their condition meets their policy’s definition of disability. However, some claims require supplemental evidence. CCK can determine if such evidence is necessary for your claim. We utilize several forms of supplemental evidence that we can collect and submit on your behalf, including:
- Specialized reports from treating physicians: Your treating physicians have unique insights into how your condition impairs you. They can write a specialized report highlighting key aspects of your condition that ordinary medical records do not. Thus, it is important to maintain open communication with your doctors so that they may know the full extent of your disability.
- Witness statements from family, friends, and coworkers: Personal acquaintances often see how your condition affects you. Obtaining official witness statements from them can bolster your claim by illustrating how far-reaching your condition is. Family and friends can attest to how your condition impairs you at home while coworkers can vouch for how your condition affects you at work.
- Additional evaluations from outside experts: Some claims require additional medical and vocational evaluations, such as functional capacity tests and neuropsychological assessments. CCK works with several outside experts who can provide this objective evidence for your claim.
We Want to Alleviate the Stress of Dealing with the Insurance Company
Dealing with the insurance company is stressful. They often incessantly ask for more information which can make the LTD process overwhelming. CCK understands how frustrating this is. We can act as a point of contact between you and the insurance company. In other words, all correspondence must first pass through us. This will free up your time to focus on what matters most: your health.
Insurance companies should handle every claim fairly, but this is not always the reality. Unfortunately, insurance companies often prioritize their financial needs, which leads to many denials. CCK has a proven record of success going up against big-name insurance companies. We will hold them accountable and help you fight for the benefits to which you are entitled.
If the insurance company denies your claim, CCK is prepared to help you with your appeal too. We can review your claim file, collect necessary evidence, and submit a comprehensive appeal package that carefully argues why you require long-term disability benefits. If necessary, we are also prepared to fight for your benefits during litigation in court.
Call CCK Today for a Free Consultation
This is not something you must do alone. An ERISA attorney from CCK serving Allendale, New Jersey is ready to assist you. Our team has extensive knowledge of the LTD claim and appeal process, ERISA law, and insurance companies. We can help you at any stage.
Call CCK today for a free consultation with a member of our team at 800-544-9144. We will evaluate your claim and see if we can help.
Allendale Blog Posts
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Own Occupation vs. Any Occupation Long-Term Disability Insurance PoliciesYour long-term disability (LTD) insurance policy will specify what definition of disability you need to meet in order to receive benefits. Many definitions of disability contain language specifying what occupation(s) you must be disabled from in order to meet the definition of disability. LTD policies commonly refer to these definitions as own occupation and any […]
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Understanding Which Benefit Plans Are Subject To ERISAIf you are covered by a group benefit from your place of employment or organization, that benefit may be governed by ERISA. ERISA law is complex and is often the subject of court litigation. It can be difficult to understand whether your employee insurance plan is subject to ERISA, and those under ERISA-governed plans may […]
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Six Reasons You Need a Long-Term Disability LawyerIf you have long-term disability (LTD) insurance, then you know it is a safeguard against losing your income if you find yourself unable to work due to a disabling health condition. You can generally purchase a long-term disability plan through your employer, or you can opt for a private plan purchased directly from an insurance […]