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Long-Term Disability Lawyer Serving Essex Fells, NJ

The disability rate in Essex County, New Jersey was 8.2 percent.  If you live in Essex Fells, NJ, in Essex County, and you suffer from a debilitating medical condition that prevents you from working, you may need to consider filing for long-term disability (LTD) benefits.  A long-term disability lawyer serving Essex Fells, NJ from Chisholm Chisholm & Kilpatrick can help.

These disability benefits can help protect a predetermined percentage of your income — usually between 60 and 80 percent.  However, acquiring these important benefits from the insurance company can be challenging.  Such companies routinely deny LTD claims.  CCK understands these challenges and wants to help.  Call us today at 800-544-9144 for a free case evaluation.

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

It can be disconcerting to develop a debilitating medical condition that prohibits you from working.  You may begin to worry about how you will pay your daily expenses, including your medical bills.  Consequently, you may try working through your condition, but this often only makes matters worse.  Long-term disability benefits can help.

Some claimants may decide to handle their LTD claim on their own, but individuals working independently are more apt to make common mistakes.  The long-term disability claim and appeal process is complex, and even a minor mistake could cost you your benefits.

Consulting a long-term disability lawyer in Essex Fells is beneficial for your claim.  An experienced attorney can help you understand your long-term disability insurance policy and what it affords you.  Understanding the terms of your policy is crucial when filing a claim.

A long-term disability lawyer from CCK can help you by tracking all filing deadlines; determining, collecting, and submitting all evidence in support of your claim; reviewing and submitting all documentation, such as the claimant statement; communicating with your doctors to obtain specialized corroborating reports; and more.

CCK Can Collect Supporting Evidence to Reinforce Your Essex Fells Long-Term Disability Claim

Among the most important components of your long-term disability policy is its definition of disability.  This definition will either be an “own occupation” or an “any occupation” definition.  It is this definition that you must prove disables you for the insurance company to approve your claim.

Medical records are most claimants’ primary source of evidence, and CCK can help procure these records and submit them on your behalf.  However, some claims require supplemental evidence. We utilize several forms of evidence that can reinforce your LTD claim, including:

  • Specialized reports from your treating physician(s): Medical records do not always tell the whole story of your condition. Your doctor has unique insights into how your condition affects you, and they can write a specialized report that highlights these key aspects that ordinary medical records fail to explain.
  • Witness statements from family, friends, and co-workers: Other people often see how your condition affects you. Friends and family see how your condition impacts your private life, including basic self-care tasks you can no longer do on your own.  Co-workers see how your condition prevents you from performing the duties of your job.  Official witness statements can help bolster your claim.
  • Additional medical and vocational evaluations: Insurance companies prefer objective evidence. CCK works with several third-party experts who can provide your LTD claim with this proof.  Outside experts can provide vocational evaluations and additional medical evaluations, such as functional capacity tests.

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

Insurance companies, such as Unum or Sun Life, should handle every LTD claim neutrally, but this is often not the reality claimants face.  Instead, many insurers are accustomed to denying claims because they prioritize their financial needs.  As a result, it is common for long-term disability claimants to receive denials.  Moreover, such companies often incessantly request more information from claimants.  All this can be stressful.

Our LTD team at Chisholm Chisholm & Kilpatrick does not believe you should have to deal with the insurance company’s invasive tactics, nor should you have to worry about fighting them on your own.  We understand how frustrating this process is and want to help.

CCK’s long-term disability insurance attorneys can act as a point of contact between you and your insurer.  In other words, all correspondence must first pass through us.  Further, we can advise you if you must attend an independent medical exam (IME) and ensure that any information your insurer requests is procured and submitted on time.

Additionally, if you have an employer-provided group LTD policy, then ERISA likely governs it.  ERISA is a strict federal law, and CCK can ensure that your claim complies with it.  Further, if your initial claim does receive a denial, we can handle every aspect of your appeal — including reviewing your insurer’s denial letter, requesting and reviewing your claim file, and collecting any necessary evidence to reinforce your appeal.

Call CCK Today for a Free Case Evaluation

Obtaining long-term disability benefits is often an arduous process.  Yet it is not a process you must navigate on your own.  Whether you are filing an initial claim, appealing a denial or termination of your LTD benefits, or litigating for your benefits in court, CCK can help.

Call CCK today at 800-544-9144 for a free case evaluation with a member of our LTD team serving Essex Fells, NJ.  We will analyze your claim and determine if we can assist you.