Long-Term Disability Lawyer Serving Randolph, NJ
Developing a debilitating medical condition may render you unable to work. When this happens, 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. A long-term disability lawyer serving Randolph, New Jersey from CCK is ready to help you.
You may have an LTD policy through your employer, or you may have bought a policy directly from the insurance company. Either way, you want to make sure these benefits are there when you need them. However, many claims receive denials. This can be disheartening, but you do not need to handle this on your own. Call CCK today for a free consultation at 800-544-9144.
A Long-Term Disability Lawyer is Beneficial for Your Claim
The disability rate in Randolph, NJ between 2016 and 2020 was 3.1 percent. If you live in Randolph and developed a debilitating disability, you may choose to file for long-term disability benefits.
These benefits are often difficult to obtain. However, many claimants decide to handle this process on their own, which can lead to detrimental mistakes. A long-term disability lawyer is beneficial for your claim because they will ensure that common mistakes are avoided.
First, you must thoroughly read your LTD policy. Your policy includes a lot of essential information, such as the waiting period for your benefits; a definition of disability; filing deadlines; how to appeal; and more. A long-term disability insurance attorney can help you understand your policy.
Moreover, you must prove that your disability meets your policy’s definition of disability. If you do not, you will not receive benefits. Our team can determine the best evidence to submit with your claim based on this definition.
Additionally, if you receive your policy through your employer, then you must be aware of ERISA law. This is a federal law that governs such policies. It is often complex and strict. We will make sure your claim and/or appeal are ERISA compliant to ensure a fair review of your case.
CCK Collects Evidence to Reinforce Your LTD Claim
To prove your condition requires LTD benefits, you must submit evidence to your insurer. This evidence must demonstrate how your condition and its symptoms prevent you from working per the definition of disability within your policy. Medical records are your primary source of evidence, but sometimes they are not enough. In such cases, CCK utilizes various forms of supplemental evidence to reinforce your claim, such as:
- Specialized reports from your doctors: Your medical records do not always tell the whole story about your condition. Your doctors have unique insights into how your condition affects you daily. They can write a specialized report that illustrates why you need benefits and can highlight certain aspects of your condition that your medical records do not.
- Witness statements from family, friends, and coworkers: The people around you often see how your condition impairs you—both at home and at work. Official witness statements provide compelling evidence for your claim. Family and friends can attest to how your condition impairs you at home, while coworkers can attest to how your condition impairs you in the workplace.
- Additional evaluations from outside experts: Sometimes you must submit additional medical and vocational evaluations to your insurer. Insurance companies prefer objective evidence when reviewing your claim. CCK works with several outside experts who can provide this evidence, such as functional capacity tests, neuropsychological assessments, and vocational evaluations.
CCK Can Lessen the Burden of Dealing with the Insurance Company
Dealing with your insurance company can be stressful. They may repeatedly ask for more information, conduct surveillance on claimants, monitor claimants’ social media accounts, and request independent medical exams (IMEs). It can become overwhelming, especially when you are trying to manage your condition. Chisholm Chisholm & Kilpatrick believes you should not worry about dealing with the insurance company when trying to get your LTD benefits.
Therefore, CCK can act as a point of contact between you and them. All correspondence will pass through us first. This will free your time to focus on what is most important: your health. Moreover, we can collect and submit all documentation and evidence on your behalf.
If your insurer denies your initial claim, CCK is prepared to handle your appeal, too. We will review the insurance company’s denial letter and directly address any issues your initial claim had. We can submit a comprehensive appeal package that demonstrates why you require long-term disability benefits.
Call CCK Today
We are prepared to help you at any stage of the LTD process. Whether you are filing an initial claim, appealing a denial or termination of benefits, or litigating in court, CCK has the experience to assist you. This can be an overwhelming and complex process, but it is not one you must do alone.
Call CCK today at 800-544-9144 for a free consultation with a member of our team serving Randolph, NJ. We will evaluate your claim and see if we can help.
Randolph Blog Posts
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Effective Communication and Long-Term Disability ClaimsLong-term disability insurance can be purchased by individuals or can be received through your employer. If you lose income due to a covered disability, long-term disability insurance will replace all or some of your income and may provide other benefits. In order to receive these benefits, you must file a claim with your insurer. This […]
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The Value of Vocational Evidence in Long-Term Disability ClaimsWhen filing for long-term disability (LTD) benefits, the burden of proof is upon the claimant. Thus, it is the responsibility of the LTD claimant to submit evidence that proves that their condition meets the definition of disability within their policy. Many claimants focus on the medical evidence they must supply, but the value of vocational […]
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Long-Term Disability (LTD) After Age 65If you become disabled after age 65, but were not planning on retiring any time soon, you may be worried about your ability to receive long-term disability (LTD) benefits and protect some of your income. Although you can usually still receive long-term disability benefits if you become disabled after age 65, your age will likely […]