Long-Term Disability Lawyer Serving Montgomery Township, NJ
When you develop a medical condition that prevents you from performing the duties of your job, then you must consider filing for long-term disability (LTD) benefits. These benefits can protect a percentage of your pre-disability earnings—usually 60 to 80 percent.
While receiving such benefits, you may continue treating your condition without worrying about your income. However, these benefits are not always easy to obtain.
Insurance companies routinely deny claims. Yet this is not a process you must do on your own. A long-term disability lawyer serving Montgomery Township, NJ from Chisholm Chisholm & Kilpatrick is ready to assist you. Call us today at 800-544-9144 for a free consultation with a member of our team.
A Long-Term Disability Lawyer is Beneficial for Your Claim
Some claimants may decide to handle their LTD claims on their own. However, those who do not work with an experienced long-term disability lawyer are more apt to make common mistakes that could jeopardize their claim. The last thing you want is a denial of your claim due to a simple and avoidable mistake. Thus, utilizing a long-term disability lawyer to help you with your claim is beneficial.
The disability rate in Montgomery Township, NJ between 2016 and 2020 was 1.5 percent. As such, you may face the reality of having to file a claim for long-term disability benefits with your insurance company. CCK understands the frustration of filing for LTD benefits and wants to help. We can help you with filing all paperwork and help collect and submit all evidence necessary to prove your claim.
If you receive your policy through your employer, then you must be aware of ERISA. This is a strict and often frustrating federal law that governs such policies. An ERISA attorney from CCK can help you ensure that your claim and/or appeal is compliant with this law. Moreover, our team will track all filing deadlines to ensure that the insurance company receives everything on time.
We Can Collect Supplemental Evidence to Prove Your Montgomery Township Claim
Every policy contains a definition of disability that you must prove your condition meets to receive an approval of your claim. You must submit evidence to prove this definition. Medical records are your primary source of evidence.
However, some claims need additional evidence to illustrate the need for benefits. CCK can collect this supplemental evidence and submit it to your insurer on your behalf. Such evidence can include:
- Specialized reports from your treating physicians: Your treating physician has unique insights into how your condition affects you. Maintaining an open dialogue with them during treatment is important so that they may fully and accurately explain your need for benefits.
- Witness statements from family, friends, and coworkers: Often, others see how your condition impairs you. Obtaining official witness statements from them can bolster your claim for LTD benefits. Family and friends can vouch for how your condition affects you at home while coworkers can attest to how your condition impairs you in the workplace.
- Additional evaluations from outside experts: Some conditions require additional medical and vocational evaluations from outside experts. These experts can provide your claim with the objective evidence that insurance companies prefer.
CCK Can Alleviate the Stress of Dealing with the Insurance Company
Insurance companies are notorious for denying long-term disability claims. While they should handle every claim neutrally, this is not always the reality. Unfortunately, they often prioritize their financial needs, which, in turn, leads to numerous denials. This can be upsetting for claimants who need their benefits. The LTD team at Chisholm Chisholm & Kilpatrick understands these difficulties and wants to alleviate this stress.
First, we can act as a point of contact between you and your insurer. Oftentimes, insurance companies incessantly contact claimants asking for more information. When you work with CCK, all correspondence must pass through us first, which frees up your time to focus on what matters most: your health.
Moreover, we can determine, collect, and submit all documentation and evidence to your insurer. If they require you to attend an independent medical exam (IME), we can advise you on how to best handle it. Further, if the insurance company denies your initial claim, we can handle your appeal too. We can review your claim file and formulate a strong counterargument to their denial about why you need LTD benefits. If necessary, we are also prepared to represent you during litigation.
Call Today for a Free Consultation
Our team has over 30 years of combined experience dealing with insurance companies and knows how they operate. Regardless of whether you are filing your initial claim, appealing a denial or termination of your long-term disability benefits, or heading to litigation, CCK can help.
Call CCK today at 800-544-9144 for a free consultation with a member of our team serving Montgomery Township, NJ. We will evaluate your case and see if we can assist you.
Montgomery Township Blog Posts
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Why ERISA Was Enacted And How It Should Benefit You TodayERISA, or the “Employee Retirement Income Security Act of 1974,” is a federal law. The U.S. House of Representatives enacted ERISA to implement rules and standards plan administrators must follow to protect individuals who have employer-provided benefit plans. These plans include pensions; retirement funds; welfare benefits; health benefits; and 401(k)s. It also covers most employer-provided […]
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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 […]