Long-Term Disability Lawyer Serving Demarest, NJ
When you develop a disabling medical condition or suffer an injury that renders you unable to work for an extended period, you must consider filing for long-term disability (LTD) benefits. These benefits can help protect a percentage of your pre-disability earnings. A long-term disability lawyer serving Demarest, NJ from Chisholm Chisholm & Kilpatrick is ready to assist you with the LTD claims process.
We understand how stressful the LTD process is. You must fill out a lot of paperwork, gather evidence, and deal with the insurance company. Simultaneously, you must also focus on visiting your doctors and managing your condition. It can quickly become overwhelming.
CCK wants to alleviate this burden of obtaining your benefits. Call us today at 800-544-9144 for a free consultation with a member of our team.
Consulting a Long-Term Disability Attorney is Beneficial for Your Claim
Some claimants may decide to handle their long-term disability claims on their own. While this is possible, claimants are more likely to commit common mistakes that can result in a denial of their claim. Moreover, it can be difficult handling such a claim when you are also focusing on managing your condition.
Many professionals who develop disabilities may face the possibility of being unable to work. Bergen County, New Jersey, where Demarest is located, had a disability rate of 4.4 percent between 2016 and 2020.
Consulting a long-term disability attorney is beneficial for your claim because they can shoulder the burden of filing and/or appealing your insurance company for benefits. CCK believes you should not have to worry about this process when you should be focusing on your health. Thus, our experienced attorneys can help you at any stage of the claim and appeal process.
Every long-term disability insurance policy has valuable information for your claim or appeal. However, these documents are often difficult to understand. An LTD lawyer from CCK can help you understand the terms of your coverage. Moreover, we will ensure that your claim receives a fair review.
If you have a group policy through your employer, then you must be aware of ERISA. ERISA is a federal law that governs such policies and brings its own strict deadlines and regulations. Often, this law complicates an already complicated situation. An ERISA attorney from CCK will ensure that your claim and/or appeal is ERISA compliant, so you do not have to worry about it.
We Can Gather Supplemental Evidence to Strengthen Your Demarest LTD Claim
Insurance companies require evidence from claimants. This evidence must prove that a person’s disability meets their policy’s specific definition of disability. Medical records are most claimants’ primary source of evidence. Yet, for some claims, this may not be enough. In such situations, you must submit supplemental evidence that can strengthen your claim. The law firm of Chisholm Chisholm & Kilpatrick utilizes several forms of evidence to help clients obtain LTD benefits. Such evidence can include:
- Specialized medical reports from your treating physician(s): Medical records often do not tell the whole story. Your treating physician(s) can write a specialized report that highlights key aspects of your condition and how it impairs your ability to work. Thus, it is vital to maintain an open dialogue with your physician(s) about your condition.
- Witness statements from family, friends, and co-workers: Others often see how your condition affects you. Obtaining official witness statements from personal acquaintances can bolster a claim. Family and friends can attest to how your condition affects you in your personal life, thereby showing how far-reaching it is. Co-workers can vouch for how your condition impairs you in the workplace.
- Additional evaluations from outside experts: Insurance companies prefer objective evidence. However, sometimes a claim or appeal requires additional, third-party evidence. You should not rely on the results of an independent medical exam (IME). CCK works with several outside experts who provide functional capacity, neuropsychological, and vocational evaluations.
CCK Can Help Alleviate the Stress of Filing for Long-Term Disability Benefits by Dealing with Your Insurer
Insurance companies are difficult. They should handle all claims neutrally, but this is not often the reality. Such companies do not want to pay claims if they can help it. They may employ surveillance tactics to discover inconsistencies in a claim; monitor claimants’ social media account to show how they are no longer disabled; request claimants attend biased IMEs; and incessantly request additional information. In short, it is stressful.
CCK understands how stressful this situation is for claimants and wants to help. We can act as a point of contact between you and your insurer. All correspondence must pass through us first. We will make sure that you no longer receive incessant requests for information so that you may focus on managing your condition. Moreover, we can collect and submit all evidence on your behalf and ensure that your insurer receives everything on time.
If your initial claim receives a denial, CCK can also help you with your appeal. We can review your insurer’s denial letter, address any specific issues therein, and submit a comprehensive appeal package on your behalf. If additional evidence is necessary for your appeal, CCK can gather and submit it too.
CCK also handles ERISA litigation, which is often a complex and frustrating process. We are prepared to fight for your benefits in federal court if necessary. We have a proven track record of going up against all the big-name insurance companies. Our long-term disability lawyers have over three decades of experience and know how these companies operate.
Call Chisholm Chisholm & Kilpatrick Today for a Free Consultation
If you are suffering from a debilitating medical condition and are filing a claim or appeal for long-term disability benefits, you do not need to do it alone. A lawyer serving Demarest, NJ from CCK is ready to assist. We can help you at any stage of the LTD process.
Call CCK today at 800-544-9144 for a free consultation. We will evaluate your claim and see if we can help.
Demarest Blog Posts
- Why ERISA Was Enacted And How It Should Benefit You Today
The Employee Retirement Income Security Act of 1974, or ERISA, was enacted to protect employer-provided pensions and retirement funds against abuse or mismanagement by employers. ERISA also applies to health and welfare benefit plans and employer-sponsored group plans, unless the employer is a church or government organization. Why Was ERISA Enacted? In the decades leading […]
- The Value of Vocational Evidence in Long-Term Disability Claims
What is Vocational Evidence? The term “vocational evidence” covers a wide variety of information in the context of long-term disability benefit claims. It includes things such as your education and training, your work history, your earnings history, the physical and cognitive duties of the job you were performing when you became disabled, job skills you […]
- How to Apply for Long-Term Disability (LTD) Benefits
Many 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 […]