Long-Term Disability Lawyer Serving Kinnelon, NJ
A disabling medical condition or injury can render you unable to work. When you cannot perform the duties of your job, you may need to file for long-term disability (LTD) benefits. Likewise, if you file a claim but receive a denial from your insurer, you will need to file an appeal to receive your benefits.
LTD benefits are important. They can protect a percentage of your pre-disability earnings so you can focus on what matters most: your health.
However, these benefits are not the easiest to obtain as insurance companies routinely deny such claims. A long-term disability lawyer serving Kinnelon, NJ from Chisholm Chisholm & Kilpatrick is prepared to assist you no matter where you are in the LTD process. Call CCK today at 800-544-9144 for a free consultation.
Consulting with a Long-Term Disability Lawyer Is Beneficial for Your Claim
Some claimants may decide to handle their long-term disability claims on their own. However, it is easy for claimants to make mistakes. Unfortunately, these mistakes can lead to a denial of their claim. A long-term disability lawyer serving Kinnelon, NJ at CCK is ready to help you through this process.
Every long-term disability policy contains a lot of valuable information. This information is vital for a successful claim. However, LTD policies are often difficult to understand. When a claimant does not fully understand their policy, they are more likely to take a misstep in their claim or appeal.
The experienced long-term disability attorneys at the law firm of Chisholm Chisholm & Kilpatrick can help claimants understand their policy and ensure that their claim and/or appeal receive a fair review.
Moreover, CCK can track all deadlines, ensure that claims and appeals are ERISA compliant, and collect evidence to support the claim. Whether you are filing an initial claim, appealing a denial or termination of your LTD benefits, or heading to litigation, CCK has the experience to help you.
CCK Can Gather and Submit Supplemental Evidence That Reinforces Your Kinnelon LTD Claim
Medical records are claimants’ primary source of evidence in long-term disability claims. Evidence is necessary to prove that your condition meets your policy’s definition of disability. However, some claims require additional evidence. CCK utilizes various forms of supplemental evidence that can strengthen your claim for LTD benefits. Such evidence can include:
- Specialized reports from your treating physician(s): Your treating physicians have unique insights into your condition and how it affects you daily. Thus, it is important to maintain an open dialogue with your physician about your condition. A specialized report can highlight certain aspects of your condition that your medical records do not.
- Witness statements from family, friends, and co-workers: Others often see how your condition impairs you. Obtaining official witness reports from them can bolster your claim. Family and friends can vouch for how your condition impairs you at home while co-workers can attest to how it impacts you at work.
- Additional evaluations from outside experts: Outside experts can provide your claim with objective evidence, which insurance companies prefer. CCK works with several outside experts who can conduct functional capacity tests, neuropsychological assessments, and vocational evaluations.
We Can Alleviate the Stress of Dealing with the Insurance Company
Insurance companies do not like paying claims. If they can find a reason to issue a denial, they will. Unfortunately, this is common among long-term disability claims.
Frequently, such companies incessantly ask for more information throughout the claim process, which can add stress to an already stressful situation. CCK understands this stress and wants to alleviate it. Therefore, our team can act as a point of contact between you and your insurer. In other words, all correspondence must pass through us first.
Further, we can collect and submit all documentation and evidence on your behalf. We will hold your insurance company accountable during this process. Moreover, we will track all filing deadlines and ensure that your insurer fairly reviews your claim and/or appeal.
If necessary, we can collect additional evidence for your appeal. Insurance companies mail denial letters to claimants, and these letters contain their reasons for issuing the denial. We will review this letter and directly address these issues.
The administrative appeal is a critical stage for your long-term disability claim. Our ERISA attorneys have over 30 years of combined experience dealing with insurance companies. We know how they operate and what they look for in a successful claim and/or appeal.
Call CCK Today for a Free Consultation
CCK understands how stressful it is to file for long-term disability benefits while also managing a debilitating condition. We want to help. Regardless of whether you are filing an initial claim, appealing a denial or termination of LTD benefits, or litigating your benefits in court, CCK is prepared to assist.
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 help.
Kinnelon Blog Posts
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Attending Physician Statements and Long-Term Disability ClaimsWhen you have a medical condition that impairs your ability to work, you may consider filing for long-term disability (LTD) benefits. When you file for long-term disability benefits, there is typically a multitude of forms you must submit to the insurance company. Among these is a form that is often called an “attending physician statement,” […]
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Can ERISA Lawyers Deal with My Insurance Company for Me?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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Long-Term Disability Waiting Period: What to ExpectObtaining long-term disability benefits is often challenging. Insurance companies, such as Humana or New York Life, deny disability claims often. Moreover, these policies also include a waiting period during which you are unable to receive benefits. It is important to thoroughly read your policy to know exactly how long this period lasts so that you […]