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Long-Term Disability Lawyer Serving Holmdel, NJ

Developing a medical condition that prevents you from working is a stressful situation.  However, many people in the United States face this reality every year, including those in Holmdel, NJ.

Long-term disability (LTD) benefits can protect a percentage of your income when you become unable to work.  This percentage is typically between 60 and 80 percent, though it can vary from policy to policy.  Filing for such benefits may be a necessity when you are unable to work for an extended period.

However, these benefits are often difficult to obtain.  You must deal with your insurance company, which adds stress to an already stressful situation.  Moreover, many claimants receive denials of their initial claim, which can be disheartening.

Luckily, this is not something you must do on your own.  A long-term disability lawyer serving Holmdel, NJ from Chisholm Chisholm & Kilpatrick is ready to assist you.  Call CCK today at 800-544-9144 for a free consultation concerning your claim.

An Experienced ERISA Attorney is Beneficial for Your Holmdel Long-Term Disability Claim

The disability rate in Holmdel between 2016 and 2020 was 3.1 percent.  Many professionals may find themselves in need of LTD benefits.  Yet filing for these benefits is stressful, especially when managing a debilitating condition.  CCK believes that you should not have to worry about obtaining the benefits to which you are entitled.  Some claimants may decide to handle their claims on their own, but this can lead to common mistakes that can affect your claim.

An experienced ERISA attorney can help ensure that your claim receives a fair review while alleviating the burden of filing for such benefits.  ERISA is a federal law that governs group policies.  This federal law is strict and often benefits the insurance company.  Our team will ensure that your claim is ERISA-compliant.  Moreover, we will track all ERISA deadlines to ensure that your insurance company receives everything on time.

Additionally, if your insurer denies your initial claim, we can help you with your appeal too.  We want you to obtain the benefits that you need, and a long-term disability lawyer serving Holmdel, NJ will help you navigate this process.

CCK Can Collect and Submit All Evidence on Your Behalf

Your long-term disability policy has a definition of disability that is vital to your claim.  You must show that your condition meets this definition.  To do this, you must submit evidence as part of your claim.

Many claimants will rely solely on their medical records to prove that they meet this definition, but some claimants may require supplemental evidence to strengthen their claim.  CCK can review your LTD policy and determine, collect, and submit all evidence on your behalf.  We can collect evidence such as:

  • Specialized reports from your treating physicians: Your treating physicians have unique insights into how your condition specifically affects you. Ordinary medical records often do not tell the whole story about your condition.  When you maintain an open dialog with your doctor while receiving treatment, then they may accurately detail why you require benefits by highlighting key aspects of your condition’s impact on you.
  • Witness statements from family, friends, and coworkers: Others often see how your condition impairs you and having official witness statements from them can bolster your claim. Family and friends can vouch for how your condition affects you at home while coworkers can attest to how your condition affects you in the workplace.
  • Additional evaluations from outside experts: Sometimes you may require additional medical evaluations to prove that your condition disables you per your policy’s definition. CCK works with several outside experts who can provide your claim with such objective evidence, including functional capacity, neuropsychological, and vocational evaluations.

We Can Alleviate the Stress of Dealing with the Insurance Company

Insurance companies are difficult to deal with when filing for long-term disability benefits.  CCK understands how frustrating it can be, and we also understand that insurance companies routinely deny LTD claims.  Unfortunately, many insurance companies prioritize their own financial needs over all else.  Our long-term disability attorneys at CCK have over 30 years of combined experience dealing with insurance companies and know how they operate.

Oftentimes, the insurance company will incessantly ask claimants for more information.  Not only is this burdensome, but it is a distraction when you are trying to treat your disability.  CCK can act as a point of contact between you and your insurer.  All correspondence will first pass through us so that you may focus on your health.

Additionally, we can submit all documentation and evidence on your behalf so that you do not have to deal with the insurance company.  We will advise you every step of the way.  Sometimes insurance companies hire private investigators to surveil claimants or request that they attend an independent medical exam.  CCK will guide you every step of the way.  If necessary, we are prepared to fight for your benefits in court.

Call Today for a Free Consultation

Regardless of where in the LTD process you are, a long-term disability lawyer serving Holmdel from Chisholm Chisholm & Kilpatrick is ready to assist you.  Call us today at 800-544-9144 for a free consultation.  We will evaluate your claim and see if we can help.