Long-Term Disability Lawyer Serving Alpine, NJ
Anyone who develops a medical condition or suffers an injury that will render them unable to work for an extended period must consider filing for long-term disability (LTD) benefits. These benefits can protect a percentage of your income. However, obtaining them in Alpine, NJ can be difficult. There is a lot of documentation and evidence you must submit, and LTD policies are often hard to understand.
A long-term disability lawyer serving Alpine, NJ from Chisholm Chisholm & Kilpatrick is ready to assist you no matter where you are in the LTD process.
Call us today at 800-544-9144 for a free case evaluation and see how we may be able to help you.
A Long-Term Disability Lawyer is Beneficial for Your Claim
The disability rate of Bergen County, where Alpine, NJ is located, was 4.4 percent. As such, filing for long-term disability benefits or appealing a denial of such benefits is a reality for many. Some individuals may decide to handle their claims on their own, but this is not always advisable. The LTD process can be complex, and even a minor mistake may lead to a denial of benefits.
Thus, contacting an experienced long-term disability lawyer is beneficial for your claim. At CCK, we know how difficult and time-consuming this process is and want to help. Whether you are filing your initial claim or appealing a denial of benefits, we can collect all necessary evidence on your behalf. Moreover, we can track all filing deadlines and advise you at every step to ensure that you miss nothing before submitting your claim.
Moreover, if you have an employer-sponsored group LTD policy then you must be cognizant of ERISA, which governs such claims. ERISA is a complex federal law. CCK’s ERISA attorneys have extensive experience dealing with this federal law and can ensure that your claim or appeal is compliant.
CCK Can Gather and Submit Supplemental Evidence on Your Behalf
Medical records are claimants’ primary source of evidence. CCK can help collect these records for you. However, some claims require additional evidence. This supplemental evidence can reinforce a claim for long-term disability benefits.
CCK collects and submits various forms of evidence, including:
- Specialized reports from treating physicians: Medical records often do not tell the whole story. Your physicians who are treating you for your condition have unique insights into how your condition affects you. These treating physicians can write a specialized report highlighting key aspects of your condition and why they necessitate LTD benefits.
- Witness statements from family, friends, and coworkers: Others often see how your condition affects you. Obtaining official witness statements from them can bolster your claim. Family and friends can attest to how your condition impairs you at home while coworkers can vouch for how your condition impairs you at work.
- Additional evaluations from outside experts: CCK works with several outside experts who can provide your claim or appeal with objective evidence. Insurance companies prefer such evidence. These experts can provide functional capacity, neuropsychological, and vocational evaluations.
CCK Can Alleviate the Stress of Dealing with the Insurance Company
Insurance companies should handle every claim neutrally, but this is not always the reality. Often, such companies prioritize their financial needs, which leads to numerous denials occurring every year. A long-term disability lawyer serving Alpine, NJ from CCK can help alleviate the stress of dealing with the insurance company when filing or appealing for LTD benefits.
Insurance companies routinely ask for more information through the long-term disability claim and appeal process. This incessant communication can be stressful, especially when you are trying to manage your condition. CCK can act as a point of contact between you and your insurer. In short, all correspondence must pass through us first. This frees up your time to focus on what matters most: your health.
Our team has over 30 years of combined experience dealing with insurance companies and know how they operate. Often, these companies surveil claimants or request they attend an independent medical exam (IME). We advise our clients through the entire process to protect their claims against such tactics. Moreover, we can request your claim file from the insurance company and review it if you are filing an appeal.
Call CCK Today for a Free Case Evaluation
The long-term disability insurance attorneys at CCK understand how difficult and stressful this process is and want to help. We can help at any stage of the process, including filing your initial claim; appealing the denial or termination of your benefits; or litigating in court.
Call CCK today at 800-544-9144 for a free case evaluation with a member of our team. We will analyze your case and see if we can assist you.
Alpine Blog Posts
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Long-Term Disability (LTD) Claims for Traveling Sales ConsultantsOccupations that involve frequent traveling can be both mentally and physically demanding, so a disability can greatly impact your ability to complete your job. As such, it is a prospect that traveling sales consultants do not want to experience. Managing your health should be your topmost priority, so when you must file a disability claim, […]
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What To Do if Your Long-Term Disability Claim Is DeniedIt is frustrating when you develop a debilitating condition that prevents you from working. As a result, you must file for long-term disability benefits. But what do you do when you receive a denial of your initial claim from your insurance company? While many claimants file their LTD claims and appeals by themselves, it is […]
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How to Apply for Long-Term Disability (LTD) BenefitsMany employers offer long-term disability (LTD) coverage as a benefit to their employees. If you become unable to work due to a medical condition and you are covered under an employer-provided long-term disability plan, you should contact your human resources department to obtain a copy of your long-term disability plan’s governing documents so you can […]