Long-Term Disability Lawyer Serving Chester Township, NJ
If you develop a medical condition that prevents you from working, you must consider filing for long-term disability (LTD) benefits. These benefits can protect a percentage of your pre-disability earnings. However, securing these benefits can be difficult. If you need assistance, a long-term disability lawyer serving Chester Township, NJ from Chisholm Chisholm & Kilpatrick is ready to help.
Whether you are filing an initial claim, appealing a denial or termination of your LTD benefits, or heading to litigation, CCK has the expertise necessary to ensure a fair review of your case. Call us today at 800-544-9144 for a free consultation with a member of our team.
Consulting a Long-Term Disability Lawyer is Beneficial for Your Claim
The disability rate in Chester Township, New Jersey between 2016 and 2020 was 7.3 percent. If you too have a disability and need to file for LTD benefits, CCK can help.
It can be stressful to file a long-term disability claim or appeal a denial from your insurer. It becomes more complicated when you are also attempting to manage your condition. The last thing you want to worry about is collecting documentation or corresponding with your insurance company.
Consulting with a long-term disability attorney is beneficial for your claim. Some claimants may decide to handle their claim on their own, but this often leads to common mistakes. CCK can help you avoid these mistakes. Even a simple mistake could be detrimental to your claim. Our LTD team can help you understand your long-term disability policy, which contains a lot of valuable information.
Further, we can collect and submit all documentation and evidence necessary for your claim. We can track strict filing deadlines to ensure a fair review of your claim. Moreover, if you have an ERISA-governed plan, we will ensure that it is compliant. Our ERISA attorneys have extensive knowledge of this law and understand its complexities.
We Can Collect Supplemental Evidence to Strengthen Your Claim
Medical records are often your primary source of evidence when filing an LTD claim. However, some claims require supplemental evidence to illustrate the necessity of such benefits. You must show your insurer that your condition meets your policy’s definition of disability. CCK utilizes various forms of supplemental evidence. We can collect and submit this evidence on your behalf. Such evidence can include:
- Specialized reports from your treating physicians: Your medical records often do not tell the whole story about your condition and how it impairs you. Thus, it is important to maintain an open dialogue with your doctor while receiving treatment. Your doctor has unique insights into aspects of your condition that your medical records do not explain. Your treating physician can write a specialized report to reinforce your claim for benefits.
- Witness statements from family, friends, and coworkers: Others often see how your condition prohibits you from working. Witness statements can bolster your claim by showing how far-reaching your condition is. Family and friends can vouch for how your condition affects you at home, and coworkers can vouch for how your condition impacts you at work.
- Additional evaluations from outside experts: Some claims require additional medical or vocational evaluations. Insurance companies prefer objective evidence over self-reported symptoms. CCK works with several outside experts who can provide such evidence for your claim, including functional capacity tests, neuropsychological evaluations, and vocational evaluations.
CCK Wants to Alleviate the Stress of Dealing with the Insurance Company
Working with insurance companies is notoriously difficult. They often prioritize their financial needs, leading to numerous claim denials. They will try and find justifications to deny your claim or appeal. For example, they may hire investigators to surveil you or monitor your social media accounts. They may also request you attend an independent medical exam (IME) with a doctor that they are paying.
CCK understands how frustrating it is to deal with such companies, and we want to alleviate this stress. First, we can act as a point of contact between you and your insurance company. All correspondence must first pass through us. This frees up your time to focus on what matters most: your health. Further, we will submit all documentation and evidence on your behalf.
If you receive a denial of your claim, we can help with your appeal too. We can review your claim file, collect any necessary evidence, and submit a comprehensive appeal argument that illustrates your need for benefits. If necessary, we are prepared to fight for your benefits during litigation. In short, we can help you no matter what stage you are in.
Call CCK Today for a Free Consultation
You do not need to handle your LTD claim or appeal on your own. If you are filing a claim or appealing a denial or wrongful termination of your benefits, CCK is ready to assist. Our long-term disability attorneys serving Chester Township, New Jersey have over 30 years of combined experience dealing with big-name insurance companies and understand how they operate. We will work closely with you and help fight for the benefits to which you are entitled.
Call CCK today at 800-544-9144 for a free consultation with a member of our team. We will evaluate your case and see if we can help.
Chester Township Blog Posts
- Surveillance Tactics in Long-Term Disability Claims
If you have filed for long-term disability (LTD) insurance due to a disabling medical condition, you may discover that approval of your claim rests on more than a submittal of documents. Often, insurance companies will enact surveillance tactics to ensure the validity of your claim. Yes, that means, in short, that insurance companies may spy […]
- What Is ERISA Litigation?
The process to obtain long-term disability (LTD) benefits is comprised of three primary stages: the initial claim; the administrative appeal; and litigation. When an insurance company or other claim administrator denies an appeal, the claimant may file a lawsuit as a next step. In short, ERISA litigation is the process whereby a claimant files a […]
- 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 […]