Long-Term Disability Lawyer Serving Fair Haven, NJ
When 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—usually 60 to 80 percent.
However, obtaining these benefits is often difficult. It requires dealing with the insurance company, collecting evidence, and managing your condition. Luckily, a long-term disability lawyer serving Fair Haven, NJ from CCK is ready to assist you.
This is not a process you must do on your own. Whether you are filing an initial claim or appealing your insurer’s denial, our team has the experience to help. Call CCK today at 800-544-9144 for a free consultation with a member of our team.
How Does a Lawyer Help with My Long-Term Disability Claim?
In Fair Haven, NJ, between 2016 and 2020, the disability rate was 3.2 percent. If you are living in Fair Haven and have a disability, you should receive the long-term disability benefits to which you are entitled. While many claimants may decide to handle the LTD claim process on their own, consulting a long-term disability insurance lawyer can be beneficial.
You must thoroughly read your LTD policy. These policies, however, are often hard to understand. Thus, many claimants who handle their claims on their own make simple mistakes. A long-term disability attorney from CCK can help you understand your disability coverage. Your policy contains a lot of invaluable information vital for a successful claim.
Moreover, if you receive your LTD policy through your employer, then it is a group policy. ERISA law governs group policies. This federal law is complex and brings its own deadlines, regulations, and procedural obstacles to the process. An ERISA attorney has experience with this law and can help you navigate it.
Chisholm Chisholm & Kilpatrick Can Collect Evidence to Support Your LTD Claim
Medical records are your primary source of evidence. Some claimants may only need to submit their medical records, but others may need to submit additional evidence to prove their claim. CCK utilizes various forms of supplemental evidence that will support your LTD claim. Supplemental evidence can include:
- Specialized reports from your treating physician: Your medical records often do not tell the whole story about your condition. Your doctor has unique insights into how your condition affects you daily. They will have firsthand knowledge of your symptoms, which is why it is important to maintain an open dialogue with your doctor throughout treatment. Your treating physician can write a specialized report that illustrates why you need benefits.
- Witness statements from family, friends, and coworkers: Others see how your condition affects you. Family and friends can write witness statements that attest to how your condition affects you in your private life. Coworkers can vouch for how your condition impairs you at work.
- Additional evaluations from outside experts: Sometimes you must submit additional medical and vocational evaluations as part of your claim. Insurance companies prefer objective evidence. CCK works with several outside experts who can provide such evidence, including functional capacity, neuropsychological, and vocational evaluations.
CCK Can Alleviate the Stress of Dealing with the Insurance Company
Insurance companies should handle every claim fairly. However, this is not always the reality. Instead, they often prioritize their financial needs. This results in many claims receiving denials. They routinely employ certain tactics to find reasons to deny claims, such as surveillance; social media monitoring; and independent medical exams (IMEs). When you are trying to manage your condition, this can become overwhelming.
CCK can alleviate this stress by dealing with the insurance company for you. First, we can act as a point of contact between you and them. In other words, all correspondence must pass through us first. This ensures your time may be spent on what is most important: your health.
There are filing deadlines of which you must be aware. These deadlines are strict, and if you miss one, it could result in a denial of benefits. We will track these deadlines and submit everything to your insurance company on your behalf. Further, we can collect all evidence, so you do not have to worry about it.
Finally, if the insurance company denies your initial claim, you have the right to appeal. Chisholm Chisholm & Kilpatrick can handle your appeal, too. Our long-term disability lawyers serving Fair Haven, NJ have over thirty years of collective experience dealing with insurance companies. We know what they look for, and we can help put together a comprehensive appeal package that illustrates your need for benefits.
Call CCK Today
If you need help with your initial claim, an appeal, litigation, or the reinstatement of your benefits, you do not need to do it by yourself. The experienced LTD team at CCK is prepared 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 determine if we can help.
Fair Haven Blog Posts
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- Own Occupation vs. Any Occupation Long-Term Disability Insurance Policies
Your 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 […]
- Can ERISA Lawyers Deal with My Insurance Company for Me?
A common question claimants have when filing for long-term disability (LTD) benefits is whether an ERISA lawyer can deal with their insurance company for them. This question arises because of the difficulties many claimants face when dealing with their insurers, such as repeated requests for information. In short, yes, ERISA lawyers can deal with your […]