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Long-Term Disability Lawyer Serving Bernardsville, NJ

You must consider filing for long-term disability (LTD) benefits when you develop a debilitating medical condition that prevents you from working.  These benefits can protect a percentage of your pre-disability earnings.  However, obtaining such benefits is not always easy.  A long-term disability lawyer serving Bernardsville, NJ from CCK is ready to assist you.

Dealing with the insurance company can be stressful.  Moreover, many claimants face denials of their claims.  When you are trying to manage your condition and file for LTD benefits, it can become overwhelming.

Call CCK today for a free consultation with a member of our team at 800-544-9144.  This is not something you must traverse alone.

Consulting a Long-Term Disability Lawyer Is Beneficial for Your Claim

The disability rate in Bernardsville, NJ between 2016 and 2020 was 2.3 percent.  If you have a disability, you may face the reality of filing for long-term disability benefits.

Many claimants may decide to handle their claims on their own.  While this is possible, it can lead to various complications.  Moreover, it is easy to commit a common mistake that may result in a denial of your claim.

Consulting with a long-term disability lawyer is beneficial for your claim.  An LTD attorney has the experience and knowledge necessary to ensure a fair review of your claim.  Our team understands the stress of handling a claim on your own and wants to help.

First, we can review your long-term disability policy.  This policy has vital information but is often hard to understand.  Furthermore, if you receive your LTD policy through your employer, then you must be aware of ERISA.  Our ERISA attorneys are well-versed in this federal law and will ensure that your claim is compliant.

ERISA is complex and often benefits the insurance company.  Moreover, it has its own filing deadlines and rules to which your claim must adhere.

We Can Collect Supplemental Evidence to Bolster Your Bernardsville Claim

Every long-term disability policy contains a definition of disability.  To receive benefits, you must prove that your medical condition disables you per the specific definition found in your policy.

Some claimants may only need to submit their medical records, but other clients may need to obtain supplemental evidence to reinforce their claims.  CCK utilizes various forms of supplemental evidence.  We can determine, collect, and submit this evidence on your behalf.  Such evidence may include:

  • Specialized reports from your treating physician: Your medical records do not always highlight all aspects of your condition. When you receive treatment from your physicians, you should maintain an open dialogue with them.  Your doctors can highlight the debilitating symptoms of your condition, illustrating why you need LTD benefits.
  • Witness statements from personal acquaintances: Others routinely see how your condition disables you. Obtaining official witness statements from them can strengthen your long-term disability claim.  Family and friends can vouch for how your condition impairs you at home.  Co-workers can attest to how your condition prevents you from performing the material duties of your job.
  • Additional evaluations from outside experts: CCK works with several outside experts. These experts can provide your claim with objective, third-party evidence, such as functional capacity tests, neuropsychological assessments, and vocational evaluations.

Chisholm Chisholm & Kilpatrick Can Alleviate the Stress of Dealing with the Insurance Company

Insurance companies should look at every claim neutrally.  However, this is not often the case.  Rather, insurance companies routinely prioritize their financial needs, which can result in a multitude of denied claims.

It can be disheartening when you receive a denial on your initial claim.  Moreover, insurance companies often incessantly ask claimants for more information; request they attend independent medical exams (IMEs); conduct surveillance on them to discover “inconsistencies” within the claim; delay making their decision; and more.

In short, dealing with the insurance company when suffering from a debilitating medical condition is stressful and overwhelming.  CCK understands this.  We want to alleviate this stress so that you may focus on managing your health.

Therefore, the long-term disability insurance lawyers at CCK serving Bernardsville, NJ can act as a point of contact between you and your insurer.  In other words, all correspondence must pass through us first.  This frees up your time to focus on managing your condition.

Further, we can track all deadlines and ensure that your insurer receives all evidence and documentation on time.  If you receive a denial, you have the right to appeal; and CCK is prepared to handle your appeal and, if necessary, litigate for your benefits in court.

Call Today for a Free Consultation

CCK is ready to help regardless of where you are in the LTD process.  Our team has over 30 years of combined experience.  We understand how frustrating this process can be.  Luckily, this is not something you must do on your own.

Call CCK today at 800-544-9144 for a free consultation with a member of our team serving Bernardsville, NJ.  We will evaluate your claim and see if we can help.