Long-Term Disability Lawyer Serving Ho-Ho-Kus, NJ
If you live in Ho-Ho-Kus, NJ in Bergen County and you develop a medical condition that prevents you from working, you must consider filing for long-term disability (LTD) benefits. These benefits can protect your income when you are unable to work. To receive LTD benefits, you may need to file a claim or an appeal.
However, obtaining LTD benefits can be difficult, especially since you must deal with the insurance company. Luckily, this is not a process you must handle on your own.
A long-term disability lawyer serving Ho-Ho-Kus, NJ from Chisholm Chisholm & Kilpatrick is prepared to assist you at any stage. Call CCK 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 claim or appeal on their own. While this is possible, it does not always yield favorable results. The LTD claim and appeal process is complicated and common mistakes are easy to make. Yet a mistake, even a seemingly minor one, can result in a denial of benefits.
A long-term disability lawyer can help you avoid these missteps. For example, long-term disability policies are often dense documents that are difficult to understand. If you misunderstand your coverage or the requirements listed therein for filing a claim or appealing a denial, then you can commit a mistake. An attorney, however, can help you understand your policy so that you do not miss any crucial information, such as filing deadlines or the definition of disability to which you must adhere.
Chisholm Chisholm & Kilpatrick can help you whether you have an individual or group LTD policy. If you have a group policy through your employer, then you must be cognizant of ERISA. This is a strict federal law that governs group policies. ERISA has its own strict deadlines; regulations; and unique obstacles that can be difficult to navigate. An ERISA attorney from CCK has extensive knowledge of this law and can ensure that your claim/appeal is compliant.
CCK Can Gather and Submit Evidence That Supports Your LTD Claim or Appeal
As mentioned, your long-term disability policy contains a definition of disability. You must prove to your insurer that your condition meets this definition to receive benefits. A long-term disability insurance lawyer from CCK can review your policy, determine your specific definition of disability, and ascertain the best evidence to collect and submit to the insurance company on your behalf.
Medical records are usually claimants’ primary source of evidence, but sometimes supplemental evidence is necessary. CCK can gather evidence such as:
- Specialized reports from your treating physician: Your treating physician has invaluable insights into how your condition affects you. Maintaining an open dialogue with them during treatment is key so that they may explain your need for benefits. Such reports can highlight aspects of your condition that ordinary medical records do not.
- Witness statements from family, friends, and coworkers: Others often see how your condition impairs you. Obtaining official witness statements can help reinforce your claim or appeal. Family and friends can attest to how your condition affects you at home while coworkers can vouch for how it prohibits you from working your occupation.
- Additional evaluations from outside experts: CCK works with several outside experts who can provide your claim with additional objective evidence. Insurance companies prefer such evidence when reviewing claims. The third-party experts we work with can provide functional capacity, neuropsychological, and vocational evaluations.
Chisholm Chisholm & Kilpatrick Can Alleviate the Stress of Dealing with the Insurance Company
Insurance companies should handle every case neutrally. This is not always the reality. Often, such companies deny claims. This is both frustrating and stressful. When you receive a denial from the insurance company in Ho-Ho-Kus, New Jersey, CCK can help alleviate this stress.
First, we can act as a point of contact between you and them. Insurance companies often incessantly ask for more information. In short, all correspondence must pass through us first. This frees up your time to focus on what matters most: your health. We believe that you should not have stress about communicating constantly with your insurer while you are trying to both receive your benefits and manage your condition.
We can collect and submit all evidence on your behalf. Additionally, we can track all filing deadlines and advise you on certain matters, such as independent medical exams (IMEs) or surveillance tactics your insurer may use. If you receive a denial, we can analyze the insurance company’s denial letter and formulate a strong appeal on your behalf. We also have the expertise to represent claimants during litigation, when necessary, to win their benefits.
Call CCK Today for a Free Case Evaluation
Filing for long-term disability benefits, appealing a denial or termination of benefits, or litigating in court under ERISA can be overwhelming. CCK is here to help you through this process. Regardless of what stage you are in, our LTD team is ready to assist.
Call us today at 800-544-9144 for a free case evaluation. A member of our long-term disability team serving Ho-Ho-Kus, NJ will analyze your case and determine if we can help you.
Ho-Ho-Kus Blog Posts
- Can Your Benefits Be Terminated While on Long-Term Disability?
Long-term disability (LTD) claims can be challenging and time-consuming. Long-term disability insurance coverage can help protect a percentage of your income when you are unable to return to work due to a debilitating medical condition or injury. Many, though not all, LTD policies allow benefits until retirement age. Unfortunately, even once your long-term disability claim […]
- Can I Work While on Long-Term Disability?
It is not uncommon for a claimant receiving long-term disability (LTD) benefits to wish to return to work in some capacity. While it can be difficult, it is possible under certain long-term disability policies. If you are collecting long-term disability insurance benefits and want to return to work, you will need to proceed carefully to […]
- Long-Term Disability (LTD) Claims for Engineers
This article will discuss long-term disability (LTD) claims for individuals who work in the engineering field, and answer some of the questions you may have as an engineer who needs to file a long-term disability claim. Types of Engineers Engineering is a complex field that requires strong cognitive abilities, such as excellent reasoning and analytical […]