Long-Term Disability Lawyer Serving Glen Ridge, NJ
If you develop a medical condition or suffer an injury that renders you unable to work for an extended period, then you must consider filing for long-term disability (LTD) benefits. These benefits can protect a percentage of your income—typically 60 to 80 percent. However, these benefits are not always easily won. A long-term disability lawyer serving Glen Ridge, NJ from Chisholm Chisholm & Kilpatrick is ready to assist you.
Regardless of where you are in the process, our LTD team can help you get the benefits you need. Our long-term disability attorneys have over 30 years of combined experience and know what insurance companies look for in a successful claim. Call us today at 800-544-9144 for a free consultation.
A Long-Term Disability Lawyer is Beneficial for Your Claim
Some claimants may decide to handle their claims on their own. However, claimants who do not utilize a long-term disability lawyer may commit common mistakes. These mistakes can be detrimental to a claim and lead to a denial of benefits. Thus, contacting a long-term disability lawyer to help you navigate this process is beneficial for your claim’s success. CCK’s long-term disability attorneys are ready to help.
The disability rate between 2016 and 2020 in Glen Ridge, NJ was 4.2 percent. As such, the prospect of filing an LTD claim is a reality for many. CCK can help at any stage. First, we can help you understand your coverage.
Your LTD policy contains a lot of valuable information. This information can help guide your claim or appeal. For example, your policy includes all filing deadlines, which are critical. If you miss one of these deadlines, you may lose out on your benefits.
Further, if you have a group disability policy, then you must be aware of ERISA. ERISA is a federal law that governs such policies. However, it often complicates matters further with its strict deadlines and stringent regulations. CCK’s long-term disability team will ensure that your claim and/or appeal is compliant with this law.
CCK Can Collect Supplemental Evidence to Strengthen Your Glen Ridge LTD Claim or Appeal
Your policy contains a definition of disability. You must prove that your condition disables you per this definition to receive benefits.
Medical records are often your primary source of evidence. Some claimants, however, may need to submit additional evidence to illustrate their need for LTD benefits. CCK utilizes various forms of supplemental evidence, such as:
- Specialized reports from treating physicians: Your treating physicians have unique insights into how, specifically, your condition prevents you from working. They can write a detailed, specialized report illustrating your need for LTD benefits. Thus, it is important to maintain an open dialogue with them as you receive treatment.
- Witness statements from family, friends, and coworkers: Others often see how your condition affects you. Family and friends see how your condition impacts your daily private life. Likewise, coworkers see firsthand how you are unable to work at your job. Witness statements from these individuals can show how far-reaching your disability truly is.
- Additional medical and vocational evaluations: Some claims require additional medical or vocational evaluations. Insurance companies prefer objective evidence. Thus, CCK works with several outside experts who can provide such evidence. This can include functional capacity, neuropsychological, and vocational evaluations.
Chisholm Chisholm & Kilpatrick Can Alleviate the Stress of Dealing with the Insurance Company
Insurance companies often deny claims. They prioritize their financial needs. In short, insurance companies do not want to approve claims, so they look for reasons to justify a denial. However, this can result in wrongful denials and terminations of benefits. Moreover, insurance companies are difficult. Often, they incessantly request more information—sometimes even after you begin receiving benefits. This can become very overwhelming.
CCK understands how frustrating it is to deal with the insurance company while trying to obtain the long-term disability benefits to which you are entitled. We can act as a point of contact between you and your insurer. In other words, all correspondence must pass through us first. This frees up your time to focus on what matters most: your well-being.
You have the right to appeal a denial of your LTD benefits. CCK can help you with your appeal too. We can review your insurer’s denial letter and determine the best way forward. Further, we can review your claim file and craft a thorough argument as to why you require benefits. CCK can also represent you in court if litigation is necessary.
Call Our Team Today
Whether you are filing an initial claim, appealing the denial or termination of benefits, or heading to litigation, CCK is ready. We are well-versed in the laws that govern long-term disability benefits. We believe that you should not have to stress about obtaining the benefits you need. We want to alleviate this stress as much as we can. A long-term disability lawyer serving Glen Ridge, NJ from CCK is ready to help.
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.
Glen Ridge Blog Posts
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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 […]
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Developing a disability can be stressful for you and your family. Fortunately, many employers offer long-term disability (LTD) benefits to their employees. This insurance — which you can also buy privately from an insurance company — can protect a percentage of your pre-disability earnings when you are unable to work due to an illness or […]