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Long-Term Disability Lawyer Serving Cranbury, NJ

When you develop a medical condition that prevents you from working for an extended period, you must consider filing for long-term disability (LTD) benefits.  These benefits can protect a percentage of your pre-disability earnings—typically 60 to 80 percent.

However, obtaining such benefits is often difficult.  A long-term disability lawyer serving Cranbury, NJ from Chisholm Chisholm & Kilpatrick is ready to help.

Dealing with the insurance company is stressful, and the law governing LTD claims can be complex.  We can help you navigate these challenges and ensure a fair review of your claim.  Call CCK today at 800-544-9144 for a free consultation.

A Long-Term Disability Lawyer Can Help You with Your Claim

The disability rate in Middlesex County is around 5.9 percent.  If you have developed a disabling condition, filing for long-term disability benefits may be a necessity.

You may have a policy through your work or one that you bought yourself.  Regardless, these policies are usually difficult for claimants to understand.  A long-term disability lawyer from CCK can help review your policy so that you may understand your coverage before submitting a claim to your insurer.

Your policy contains a lot of valuable information, such as the maximum benefit period; filing deadlines; the definition of disability; limitations and exclusions; how to appeal; and more.  Moreover, when claimants handle their claims on their own, they are more prone to commit common mistakes that may result in their claim receiving a denial.  Our team will ensure that you avoid these missteps.

CCK can track all deadlines and ensure that your claim is compliant with ERISA.  ERISA is a federal law that governs group policies.  It often complicates an already complicated situation.  We will ensure that your claim follows ERISA’s strict regulations to ensure that your insurance company gives it a fair review.

We Can Collect Evidence to Bolster Your Cranbury LTD Claim

Medical records are often the primary source of evidence that claimants submit to their insurance companies to prove that they are disabled.  However, you must prove that you are disabled under your policy’s specific definition of disability.

Some claims require supplemental evidence.  CCK utilizes several forms of supplemental evidence, such as:

  • Specialized reports from your treating physicians: Your physicians have unique insights into how your condition affects you. They may write a specialized report on your condition highlighting key aspects that ordinary medical records do not.  Thus, it is important to maintain an open dialogue with your doctor while receiving treatment.
  • Witness statements from family, friends, and coworkers: Others often see how your condition affects you at home and work. Obtaining witness statements can reinforce your claim and illustrate how far-reaching your disability is.  Family and friends can vouch for how your condition affects you at home, and coworkers can attest to how your condition prevents you from working.
  • Additional medical and vocational evaluations: Insurance companies prefer objective evidence over self-reported symptoms. Thus, having an outside expert conduct additional medical and/or vocational evaluations is beneficial for your claim.  CCK works with several outside experts who can provide such evidence.

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

Dealing with insurance companies can be difficult.  They do not want to approve claims, so they often find reasons to issue a denial.  They may surveil you and “catch” you doing something you are not supposed to do.  They may also monitor your social media accounts, including posts your family and friends tag you in.  Further, they may request you attend an independent medical exam (IME); however, these exams are rarely “independent” as the doctors conducting them work for the insurance company.  This can all become overwhelming.

We hold insurance companies accountable.  We can act as your point of contact with them.  In other words, all correspondence must pass first through us.  This frees up your time to focus on managing your condition.  Moreover, we can determine, collect, and submit all documentation and evidence on your behalf.

If your insurer denies your claim, you have the right to appeal.  CCK is prepared to help with your appeal.  We will review your insurer’s denial letter and help craft a compelling argument against their denial.  We can review your claim file and collect any supplemental evidence necessary to strengthen your appeal.  We are also prepared to fight for your benefits during litigation if necessary.

Call CCK Today for a Free Consultation

Whether you are filing your initial claim, appealing the denial or termination of your LTD benefits, or heading to litigation, CCK can help.  Our long-term disability lawyers serving Cranbury, NJ have over 30 years of combined experience and know how insurance companies operate.  We want to help.

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 assist.