Long-Term Disability Lawyer Serving Harding, NJ
When you develop a medical condition that makes it difficult to work, you must consider filing for long-term disability (LTD) benefits. These benefits can protect your income when you are unable to work and allow you to focus on managing your condition. A long-term disability lawyer serving Harding, NJ from Chisholm Chisholm & Kilpatrick is ready to assist you.
It is often difficult to obtain these benefits because insurance companies deny many claims. Moreover, it can be stressful having to correspond with your insurer and supply them with the materials they require. If you require assistance, call CCK today at 800-544-9144 for a free consultation with a member of our team.
A Long-Term Disability Lawyer Can Help You with Your Claim
The disability rate in Morris County, New Jersey is approximately 4.8 percent. If you live in Morris County and suffer from a disability, you may face the reality of being unable to work. In this scenario, long-term disability benefits are an option.
While some claimants may decide to handle their long-term disability claims on their own, getting help from a long-term disability lawyer can be advantageous. LTD benefits are important for your quality of life and your ability to get better. When the insurance company denies you these benefits, it can be disheartening. CCK wants to help you secure these benefits.
First, we can help you review your long-term disability policy. Your policy contains a lot of vital information pertinent to your claim, such as the definition of disability, the maximum benefit period, limitations and exclusions, and more. Using your policy’s definition of disability, we can also determine and collect the best evidence to support your claim.
CCK can also track all filing deadlines. All long-term disability claims have deadlines to which you must adhere. If you miss a deadline it could result in a denial of your claim. There are deadlines for submitting an initial claim, appealing a denial, and beginning litigation. If you have a claim under ERISA, timelines may be even stricter.
Our ERISA attorneys will ensure that your claim and/or appeal is compliant with this federal law. ERISA often complicates an already complicated process with its strict regulations and procedural obstacles. Additionally, if you receive a denial of your claim, CCK has the expertise necessary to help you with your appeal.
CCK Can Gather Evidence to Reinforce Your LTD Claim
Your policy’s definition of disability is important for your claim because you must prove that your condition meets this definition to receive benefits. Claimants must submit evidence to do this. Medical records are most claimants’ primary source of evidence. However, some claims require supplemental evidence to bolster their case. CCK utilizes various forms of supplemental evidence, such as:
- Specialized reports from treating physicians: Your doctors have unique insights into your condition and how it impairs you. Thus, it is important to be open with them during treatment about your condition. They may write a specialized report that illustrates why you need LTD benefits by highlighting key aspects of your disability that your medical records do not.
- Witness statements from family, friends, and coworkers: Others often see how your condition disables you and can provide strong testimony to this fact. Family and friends can provide witness statements that attest to how your condition affects you at home. Coworkers can provide similar statements that vouch for how you are unable to work.
- Additional evaluations from outside experts: Some claims require additional medical and vocational evaluations. It is best to have an outside expert conduct these. These evaluations, which can include functional capacity tests and vocational assessments, can provide your claim with objective evidence.
We Want to Alleviate the Stress of Dealing with the Insurance Company
Insurance companies deny many claims. They often prioritize their financial needs. They may hire private investigators to surveil you, or they may monitor all your social media activity. Insurers may incessantly ask you for more information, or they may request you attend an independent medical exam (IME). These exams are rarely “independent” since the doctors usually work for the insurance company.
The long-term disability attorneys at Chisholm Chisholm & Kilpatrick serving Harding, NJ understand how frustrating this is and want to help. We can act as a point of contact between you and your insurer. In other words, all correspondence must pass through us first. Moreover, we can collect and submit all documentation and evidence on your behalf.
We can advise you every step of the way and ensure that your claim receives a fair review. We know your rights and will hold the insurance company accountable. We have a proven record of success going up against all the big-name insurance companies. If necessary, we can fight for your benefits during litigation. You are entitled to these benefits, and we want to alleviate the stress of obtaining them as best we can.
Call CCK Today for a Free Consultation
Securing your long-term disability benefits is not something you must do on your own. CCK can help you at any point during the process. We can help you get the benefits you need. Call us 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.
Harding Blog Posts
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What Is ERISA Litigation?The process to obtain long-term disability (LTD) benefits is comprised of three primary stages: the initial claim; the administrative appeal; and litigation. When an insurance company or other claim administrator denies an appeal, the claimant may file a lawsuit as a next step. In short, ERISA litigation is the process whereby a claimant files a […]
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Short-Term Disability Benefits vs. Long-Term Disability Benefits: What You Need to KnowThere are commonly two types of disability insurance plans that you may have through your employer: short-term disability (STD) and long-term disability (LTD). While these two types of benefits are often similar, there are several key differences between them of which policyholders should be aware. Understanding the differences between these two types of disability benefit […]
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Will Severance Affect My Long-Term Disability Benefits?Long-Term Disability (LTD) benefits can protect a person’s income when they are unable to work due to a debilitating medical condition. Often, an employer’s benefits package includes LTD coverage. Such policies are known as “group policies,” which are governed by the federal law known as ERISA. These benefits are necessary for many people, but what […]