Long-Term Disability Lawyer Serving Franklin Lakes, NJ
A medical condition or injury can sideline a person. It can turn their world upside down, which can include rendering them unable to work for an extended period. If you live in Franklin Lakes, NJ and you find yourself in such a situation, then you may need to file a claim for long-term disability (LTD) benefits.
A long-term disability lawyer serving Franklin Lakes, NJ from Chisholm Chisholm & Kilpatrick can assist you at any point in the claims process. Obtaining such benefits can be challenging. Insurance companies often do not want to approve claims if they can help it. Our law firm can fight for you and your benefits. Call us today at 800-544-9144 for a free case evaluation.
A Long-Term Disability Lawyer is Beneficial for Your Claim
Some claimants may decide to handle their long-term disability insurance claims on their own. However, it is easy to accidentally commit simple mistakes. These mistakes could cost you your benefits. Therefore, it is beneficial to contact a long-term disability lawyer.
An LTD attorney can help you file your initial claim or appeal a denial or termination of your benefits. Moreover, in some instances, they can assist you during litigation.
Our team of long-term disability lawyers at CCK have over 30 years of combined experience. We know what insurance companies look for in a successful claim and can help you with yours. For example, our attorneys are well-versed in ERISA, which governs employer-sponsored group policies. ERISA is a federal law and has strict regulations and deadlines; we can ensure that your claim and/or appeal adhere to them.
Moreover, a long-term disability insurance lawyer from CCK serving Franklin Lakes, NJ can help you determine what evidence you need to prove your claim. We can collect and submit this evidence on your behalf.
CCK Can Collect and Submit Supplemental Evidence for Your Franklin Lakes LTD Claim
Your policy contains a definition of disability. To receive benefits, you must submit evidence that proves your condition disables you per this definition. Medical records are most claimants’ primary source of evidence. However, some claims can benefit from supplemental evidence.
CCK utilizes various forms of evidence to reinforce long-term disability claims. This evidence can include:
- Specialized reports from treating physicians: Your treating physicians have unique insights into how your condition disables you. Medical records often do not tell the whole story, so having your doctor write a specialized report is beneficial. This report can highlight key aspects of your condition and reinforce your need for LTD benefits.
- Witness statements from family, friends, and co-workers: Others often see how your condition affects you. Obtaining official witness statements can help corroborate other evidence within your claim. For example, family and friends can attest to how your condition impairs you at home. Co-workers can vouch for how your condition disabled you at work.
- Additional evaluations from outside experts: Some claims require additional medical and vocational evaluations, such as functional capacity tests and neuropsychological exams. CCK works with several outside experts who can conduct these evaluations. Insurance companies prefer objective evidence, which these evaluations can provide.
CCK Can Alleviate the Stress of Dealing with the Insurance Company
Insurance companies should handle every claim fairly. However, such companies often prioritize their financial needs, which leads to a multitude of denials each year. Many claimants will face the reality of having to appeal a wrongfully denied long-term disability claim. The administrative appeal is a critical time, especially for ERISA-governed claims. Often, this is the last time you may submit new or updated evidence.
CCK understands how stressful dealing with the insurance company is and wants to help. First, we can act as a point of contact between you and your insurer. Insurance companies often incessantly ask for more information. Other times, they try to deliberately delay your appeal. Either way, it is frustrating trying to communicate with them. Our team can handle this correspondence so that you do not have to.
Moreover, if you are filing an appeal, CCK can request and review your claim file. This claim file is often hundreds of pages long — sometimes over 1,000 pages. We review this file so that we may draft a strong appeal that we can submit, along with any necessary evidence, to your insurer. The long-term disability lawyers at CCK also have experience litigating for clients’ benefits and can help should such litigation arise.
Call Us Today for a Free Case Evaluation
Filing a long-term disability claim is stressful and often overwhelming for claimants. Managing a condition while also fighting for your benefits can sometimes seem impossible. However, it is not something you must do on your own.
A long-term disability attorney serving Franklin Lakes, New Jersey from CCK can assist you. Our team can track all deadlines; collect and submit all evidence; request and review your claim file; and much more.
You should not have to worry about whether you will receive your long-term disability benefits or not. Call CCK today at 800-544-9144 for a free case evaluation. A member of our team will review your long-term disability case and determine if we can help you.
Franklin Lakes Blog Posts
- Long-Term Disability Policies: Definition of Disability
When an insurer denies an individual’s long-term disability (LTD) claim, they will often reference that the individual does not meet the policy’s definition of disability. To receive benefits, claimants must prove that their condition meets their policy’s specific definition. Often, this definition of disability changes after a set period. This article will explain what LTD […]
- Filing Deadlines for ERISA-Governed Long-Term Disability (LTD) Claims
Learning to cope with a new sickness or injury can be difficult, stressful, and cause a lot of uncertainty. In addition to managing your health, you must navigate the procedures and deadlines associated with applying for ERISA-governed long-term disability (LTD) benefits. If you received your long-term disability insurance through your employer, the procedures are likely […]
- What to Expect with the Long-Term Disability Claims and Appeals Process
The long-term disability (LTD) claims and appeals process may seem overwhelming for those in need of disability benefits. Coping with a diagnosis that prevents you from working is difficult and handling all the complexities of the claim process can add anxiety to an already stressful situation. Many claimants do not know what to expect when […]