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Long-Term Disability Lawyer Serving Little Silver, NJ

Developing a medical condition that prevents you from working is stressful.  If you find yourself suffering from a condition that inhibits your ability to work, you must consider filing for long-term disability (LTD) benefits.

Whether you are filing an initial claim or appealing a denial of your benefits, a long-term disability lawyer serving Little Silver, NJ can assist you.  Call us today at 800-544-9144 for a free case evaluation.

Why Should You Contact a Long-Term Disability Lawyer When Filing for Benefits?

Between 2016 and 2020, the disability rate in Little Silver, NJ was 1.6 percent out of a population of about 6,000.  Many people who develop a debilitating condition decide to handle their LTD claim by themselves.  While this is possible, it is advantageous to consult with a long-term disability attorney.

A long-term disability lawyer knows the ins and outs of the LTD claim and appeal process.  The process can get complex, and it is good to have an experienced attorney to help guide you.  For example, your policy has a lot of valuable information, but it is often hard to understand.  An attorney can thoroughly review your policy, which ensures that you meet all the criteria for a successful claim.

Your policy includes a definition of disability that is vital to understand for a successful claim.  The insurance company will base its decision on whether you have proven your disability under this definition.  A long-term disability insurance attorney serving Little Silver, NJ from CCK can ascertain the best evidence to gather to prove this definition.

Many claimants may have a group policy that their employer provides to them.  These group policies are governed by ERISA.  An ERISA attorney understands the complexities of this federal law and how it affects LTD claims.  For example, there are strict deadlines associated with ERISA that you must adhere to if you wish to avoid a denial.  Moreover, under ERISA, the appeal stage is the last time you may submit new evidence.

We Will Gather the Best Evidence to Prove Your Disability

Medical records are the primary source of evidence for most claimants.  However, these records are usually not enough to win a claim.  It is often necessary to submit supplemental evidence to prove your disability.  Chisholm Chisholm & Kilpatrick utilizes a variety of evidence to help bolster your claim.  This evidence can include:

  • Specialized reports from treating physicians: Medical records do not tell the whole story about your condition. Your treating physicians can highlight specific details about your condition and how it prevents you from working.  Maintaining an open dialogue with your doctor is critical because it allows them to describe the severity of your condition fully and accurately.
  • Witness statements from family, friends, and coworkers: Your family, friends, and coworkers see you each day and can attest to how your condition affects you. Obtaining official witness statements from family and friends will show how your condition impacts you at home.  Witness statements from your coworkers will show how your condition impairs you in the workplace.
  • Evaluations from outside experts: It is sometimes necessary to include additional medical and vocational evaluations as part of your claim. CCK works with a variety of outside experts who can provide your claim with objective, third-party evidence.  These outside experts can provide functional capacity, neurophysiological, and vocational evaluations.

CCK Alleviates the Burden of Dealing with the Insurance Company

Long-term disability claims are sometimes burdensome because of the insurance company.  Insurance companies should handle every case neutrally.  Unfortunately, this does not always happen.  Instead, these companies often prioritize their financial needs over the health needs of their clients.  This results in denials of claims.

Dealing with the insurance company is stressful.  Notwithstanding their propensity at prioritizing their financial goals, these companies also routinely contact claimants asking for more information.  When you are trying to manage a medical condition, this correspondence only adds unnecessary stress.

Fortunately, a long-term disability lawyer serving Little Silver, NJ can act as a point of contact between you and your insurance company.  This ensures that you never have to deal directly with them at any point during the claim and appeal process.

Our team has over 30 years of collected experience dealing with insurance companies, and we know how they operate.  Often, insurers will employ surveillance tactics, such as taking videos and photographs of claimants at home.  Moreover, they may also require claimants to undergo an independent medical exam (IME), which is not truly “independent” as the insurance company pays the doctors who administer them.

Nevertheless, our team will ensure that your insurance company handles your claim fairly.  We will track all deadlines and submit all evidence on your behalf.  We will handle all correspondence between you and your insurer and your doctors.  Our team will also gather all relevant evidence to reinforce your claim, and, if necessary, we can represent you during litigation.  We can even represent you after you receive an approval to avoid a wrongful termination of your benefits.

Call Chisholm Chisholm & Kilpatrick Today for a Free Case Evaluation

If you have a debilitating condition, you must consider long-term disability benefits.  We understand how stressful this process is, and we want to alleviate the burden so you can focus on your health.

The LTD lawyers serving Little Silver, NJ from Chisholm Chisholm & Kilpatrick are ready to assist you wherever you are in the process.  Call us today at 800-544-9144 for a free case evaluation to see how we may be able to help you.