Long-Term Disability Lawyer Serving New Jersey
Developing a medical condition that impairs your ability to work can be daunting. When you develop such a condition, you must consider filing for long-term disability (LTD) benefits. These benefits help protect your income when you cannot work.
However, the LTD process is often complex. It is beneficial to consult an experienced long-term disability lawyer to navigate this process.
Whether you are filing an initial claim or appealing a denial of your benefits, you do not have to do this alone. A long-term disability lawyer serving New Jersey from Chisholm Chisholm & Kilpatrick is ready to assist you with your claim. Call us today at 800-544-9144 for a free consultation with a member of our team. We will evaluate your case and see if we can help you.
Contacting a Lawyer is Beneficial for Your New Jersey Claim
The disability rate in New Jersey between 2016 and 2020 was 6.6 percent. This represents many of the over nine million residents of New Jersey. Moreover, according to the CDC, the average healthcare cost for someone with a disability in New Jersey was $21,415 in 2017. This is a significant amount, especially for those who cannot work.
While it is possible to handle a long-term disability on your own, it is beneficial to consult an experienced LTD lawyer. An attorney understands how difficult the long-term disability claim and appeal process is, and they can help guide you through its complexities.
Dealing with insurance companies when filing for long-term disability benefits in New Jersey is frustrating. Such companies should handle each claim neutrally, but this is not always the reality. Unfortunately, insurance companies prioritize their financial needs over their clients’ health needs. This results in many claim denials.
The experienced LTD lawyers at CCK have over three decades of collected experience dealing with these companies and know how they operate. Our dedicated long-term disability team can act as a point of contact between you and your insurance company. When we act as a point of contact, we handle all correspondence. Instead of communicating with you, the insurance company must communicate directly with us. This ensures you do not have to deal with your insurer at any point during the LTD process.
Our LTD Attorneys Can Gather Evidence to Prove Your Definition of Disability
Every LTD policy has a definition of disability. To prove this definition, you must submit evidence. Medical records are often the main source of evidence when filing for long-term disability benefits. Yet you should not rely solely on your medical records to prove your claim.
Supplemental evidence can demonstrate your need for disability benefits. CCK utilizes a variety of supplemental evidence that can bolster your claim. Such evidence can include:
- Specialized reports from your treating physicians: Obtaining a specialized report from your treating physician can reinforce your claim. Your doctor has insights into your condition that ordinary medical records do not. It is important to maintain an open dialogue with your doctor so that they may fully describe your condition and how it affects you.
- Witness statements from family, friends, and coworkers: Your family, friends, and coworkers see how your condition impacts you. Obtaining official witness statements from them can illustrate how far-reaching your condition is. Family and friends can attest to how your condition affects you at home. Coworkers can vouch for how your condition impairs you at work.
- Opinions from outside experts: Additional evaluations can bolster a claim and reinforce the medical records you submit with your claim. CCK works with several outside experts who can conduct these evaluations. These can include functional capacity tests; neurophysiological assessments; and vocational evaluations.
CCK Can Alleviate the Stress of Filing for Long-Term Disability Benefits
At CCK, we believe you should not have to worry about filing for long-term disability benefits. Managing a debilitating condition is draining and stressful. Whether you live in Montoloking, Saddle River, or any other town or city in New Jersey, our team may be able to help you.
If you are filing for LTD benefits, you must understand your policy. However, such policies are often difficult to understand. A long-term disability insurance attorney from Chisholm Chisholm & Kilpatrick can thoroughly evaluate your policy. We will use your policy and the definition of disability therein to determine the best evidence to collect for your claim.
Moreover, if your initial claim receives a denial, we can also help you with your appeal. We will read your denial letter and ascertain the best evidence to submit. We will write the appeal letter and send a comprehensive appeal package to your insurance company.
Additionally, if you have long-term disability benefits through your employer, you will have to deal with ERISA law. ERISA law has its own strict rules and deadlines. To ensure a fair review of your case, we will track all deadlines and guarantee that your insurer receives everything on time.
Contact Chisholm Chisholm & Kilpatrick for a Free Consultation
If you have a medical condition or injury that prevents you from working, you should consider filing for long-term disability benefits. Moreover, if your insurance company denied your initial claim, you have the right to file an appeal. Regardless of where in the process you are, a long-term disability lawyer serving New Jersey from Chisholm Chisholm & Kilpatrick is ready to assist.
Call us today at 800-544-9144 for a free consultation with a member of our team. We will evaluate your case and see if we can help you.
New Jersey Blog Posts
- Why ERISA Was Enacted And How It Should Benefit You Today
The Employee Retirement Income Security Act of 1974, or ERISA, was enacted to protect employer-provided pensions and retirement funds against abuse or mismanagement by employers. ERISA also applies to health and welfare benefit plans and employer-sponsored group plans, unless the employer is a church or government organization. Why Was ERISA Enacted? In the decades leading […]
- Understanding Which Benefit Plans Are Subject To ERISA
If you are covered by a group benefit through from your place of employment or organization, that benefit may be governed by ERISA. ERISA law is complex and is often the subject of court litigation. It can be difficult to understand whether your employee insurance plan is subject to ERISA, and those under ERISA-governed plans […]
- Chronic Back Pain Symptoms and How They Can Impact Your Ability to Work
Chronic back pain can be caused by an identifiable injury or condition, such as degenerative disc disease or spinal stenosis. It can also occur without an identifiable cause. Chronic back pain is typically considered to last beyond three to six months. Chronic back pain can lead to symptoms, such as: depression fatigue poor sleep difficulty […]