Long-Term Disability Lawyer Serving Mountain Lakes, NJ
If you live in Mountain Lakes, NJ, and suffer from a debilitating medical condition that renders you unable to work, then you must consider filing for long-term disability (LTD) benefits. These benefits can protect a percentage of your pre-disability earnings when you cannot work for an extended period.
However, such benefits are often difficult to obtain. The LTD claims and appeals process is lengthy and complex, and insurance companies often deny claims. A long-term disability lawyer serving Mountain Lakes, NJ from Chisholm Chisholm & Kilpatrick is prepared to help you regardless of where you are in the process. Call us today at (800) 544-9144 for a free case evaluation.
A Long-Term Disability Lawyer is Beneficial for Your Claim and/or Appeal
When a person suffers from a medical condition or injury that prevents them from working for an extended period, it can be overwhelming. You may suffer from conditions such as ankylosing spondylitis, post-traumatic stress disorder (PTSD), or chemotherapy fatigue. These conditions — along with a host of others — can make it impossible to work. In these situations, long-term disability benefits can help.
In Morris County, New Jersey, the disability rate is 4.9 percent. If you live in Mountain Lakes, NJ located within Morris County and you develop a debilitating condition, then you may need to file for disability benefits. Some claimants may decide to handle their LTD claims on their own, but this is not always the best option—insurance companies will scrutinize your claim and, if you have a group policy, ERISA can complicate matters further. CCK can help.
Our knowledgeable long-term disability insurance attorneys can help you with your claim and/or appeal. We can review your claim forms to ensure that they are correctly filled out, and we can submit this documentation on your behalf. Moreover, we can determine, collect, and submit all evidence (including medical records) necessary to prove your claim. Our team can track all filing deadlines too.
CCK Can Collect and Submit Supplemental Evidence for Your Long-Term Disability Claim
Every long-term disability policy contains a definition of disability. This definition is what the insurance company references when deciding whether you require LTD benefits or not. Some claims only require you to submit your medical records as evidence. However, other claims require supplemental evidence. CCK utilizes several forms of evidence that we can collect and submit on your behalf, including:
- Specialized reports from treating physicians: Your doctors have unique insights into how your condition affects you. These specialized reports can highlight key aspects of your condition that your medical records do not. Thus, it is important to maintain an open dialogue with your doctor so that they may fully describe your condition’s effect on you.
- Witness statements from family, friends, and co-workers: Others often see how your condition impairs you. Obtaining official witness statements from these individuals can bolster your LTD claim. Family and friends can vouch for how your condition affects you at home while co-workers can attest to how your condition prevents you from working.
- Additional medical and vocational evaluations: Sometimes your claim will require additional medical evaluations, such as X-rays, neuropsychological assessments, or functional capacity tests. Other times, you may need a vocational expert to analyze your ability to perform the duties of your job. CCK works with outside experts who can provide this evidence.
CCK Can Help Alleviate the Stress of Dealing with the Insurance Company
If you live in Mountain Lakes, NJ, and have a long-term disability insurance policy, then you must file your claim with your insurer. CCK has over 30 years of combined experience dealing with insurance companies, such as Guardian; MetLife; New York Life; Humana; and others. These companies often deny LTD claims, which can be disheartening. CCK understands how frustrating it can be and wants to help.
First, our team can act as a point of contact between you and the insurance company. In other words, all correspondence must first pass through us. Insurance companies handling LTD claims often incessantly request information from claimants, but CCK can filter these requests before they get to you. Moreover, insurance companies will scrutinize every minute aspect of your disability claim, so we will ensure that everything is correct before submitting it.
If you receive a denial of your initial claim, then you have the right to file an administrative appeal. CCK can review your insurer’s denial letter to help put together your appeal. Further, our team can request and review your claim file, which is usually hundreds of pages long—if not longer. If additional evidence is necessary for your appeal, CCK can collect this too. In short, we want to alleviate the stress of dealing with the insurance company.
Call Chisholm Chisholm & Kilpatrick Today
Chisholm Chisholm & Kilpatrick understand how difficult it can be to obtain long-term disability benefits in Mountain Lakes, NJ. However, we have the experience necessary to fight for your benefits on your behalf. We can help you at any stage of the process, including litigation.
This is not a process you must do on your own. Call CCK today at (800) 544-9144 for a free case evaluation. A member of our team will analyze your case and determine if we can help.
Mountain Lakes 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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