Long-Term Disability Lawyer Serving Englewood Cliffs, NJ
When you must file for long-term disability (LTD) benefits due to a debilitating medical condition, it can be overwhelming. Insurance companies are difficult to work with, and these benefits are important. Any delay in receiving them can make receiving treatment more difficult than it needs to be.
Luckily, this is not a process you must do on your own. A long-term disability lawyer serving Englewood Cliffs, NJ from Chisholm Chisholm & Kilpatrick is prepared to assist you.
Our LTD attorneys understand how frustrating it is to obtain these much-needed disability benefits. We want to help you. Regardless of whether you are filing an initial claim, appealing a denial or termination of LTD benefits, or litigating in court, CCK has the necessary experience to assist you.
Call us today at 800-544-9144 for a free consultation with a member of our team.
Contacting a Long-Term Disability Lawyer is Beneficial for Your Claim
Long-term disability benefits can protect a percentage of your pre-disability earnings—usually between 60 and 80 percent. If you are among the 4 percent suffering from a disability in Englewood Cliffs, NJ, then you must consider filing for such benefits.
Some claimants decide to handle these claims on their own. However, such claimants are more likely to make simple, common mistakes. These mistakes, though they may seem minor, can result in a denial of benefits. Thus, it is beneficial to contact a long-term disability lawyer who can help guide you through the claim and appeal process and ensure that it receives a fair review.
Our team can track all filing deadlines for your claim. If you miss one of these deadlines, you may lose your rights to your benefits. Moreover, if you have a group policy through your employer, we will ensure that it is compliant with ERISA. ERISA is a federal law that governs such policies and is often complex. We want to shoulder the burden of filing for LTD benefits so that you can focus on your well-being.
CCK Can Collect Supplemental Evidence to Reinforce Your Englewood Cliffs Long-Term Disability Claim
Medical records are often claimants’ primary evidence. You must submit evidence to your insurance company to prove you need benefits. This evidence must show that your condition disables you per the definition of disability located within your LTD policy.
Some claimants, however, may need additional evidence to support their claims. CCK utilizes several forms of supplemental evidence, such as:
- Specialized reports from treating physicians: Medical records often do not tell the whole story about how your condition disables you. Your treating physician has unique insights into your condition. They can write a specialized report that supports your need for benefits by illustrating how debilitating it is. Thus, it is important to maintain an open dialogue with your doctors.
- Witness statements from family, friends, and co-workers: Others often see how your condition affects you. Witness statements can help reinforce a claim for LTD benefits. Family and friends can attest to how your condition disables you at home while co-workers can vouch for how your condition impairs you at work.
- Additional evaluations from outside experts: Insurance companies prefer objective evidence. CCK works with several outside experts who can provide such evidence. They can prove your claim with functional capacity tests, neuropsychological assessments, and vocational evaluation.
We Can Alleviate the Stress of Dealing with the Insurance Company
Dealing with the insurance company can be stressful. They often prioritize their financial needs, which can result in many claims receiving denials. In short, they do not like paying claims if they can help it. It is common for insurance companies to hire private investigators who will surveil claimants looking for “inconsistencies” within their claims. Moreover, they may require claimants to attend independent medical exams (IMEs), which are often biased since the doctors are paid by the insurance company.
CCK understands how stressful it is dealing with insurance companies, especially when they incessantly ask for more information. Our team 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.
Further, if you do receive a denial of your claim, we have the experience necessary to handle your appeal. We can review your denial letter and create a comprehensive appeal package that illustrates why you need LTD benefits. If necessary, we can litigate in court for your benefits too.
Call CCK Today for a Free Consultation
Getting long-term disability benefits can be difficult and stressful. If you receive a denial of your claim, it can be demoralizing. However, this is not something you must handle on your own. The long-term disability lawyers serving Englewood Cliffs, NJ from Chisholm Chisholm & Kilpatrick are prepared to help you no matter where you are in the LTD process.
Call CCK today at 800-544-9144 for a free consultation with a member of our team. We will evaluate your claim and see if we can assist.
Englewood Cliffs Blog Posts
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The Value of Vocational Evidence in Long-Term Disability ClaimsWhen filing for long-term disability (LTD) benefits, the burden of proof is upon the claimant. Thus, it is the responsibility of the LTD claimant to submit evidence that proves that their condition meets the definition of disability within their policy. Many claimants focus on the medical evidence they must supply, but the value of vocational […]
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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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Own Occupation vs. Any Occupation Long-Term Disability Insurance PoliciesYour long-term disability (LTD) insurance policy will specify what definition of disability you need to meet in order to receive benefits. Many definitions of disability contain language specifying what occupation(s) you must be disabled from in order to meet the definition of disability. LTD policies commonly refer to these definitions as own occupation and any […]