Long-Term Disability Lawyer Serving Readington, NJ
When you develop a medical condition that prevents you from working, you must consider filing for long-term disability (LTD) benefits. However, these benefits are often hard to obtain. A long-term disability lawyer serving Readington, New Jersey from Chisholm Chisholm & Kilpatrick can help.
The LTD claim process is difficult. It is easy for claimants to become overwhelmed. Claimants not only must deal with the insurance company and collect evidence to prove their claim, but they must also manage their condition. Luckily, this is not something you must handle alone. CCK is ready to assist you. Call us today at 800-544-9144 for a free consultation with a member of our team serving Readington, NJ.
Working With a Long-Term Disability Lawyer is Beneficial for Your Claim
The disability rate in Readington, NJ between 2016 and 2020 was 2.5 percent. Many face the disheartening reality of not being able to work due to a disability. If you are suffering from a disability that prevents you from working, you can file a claim for LTD benefits.
Some claimants may decide to handle their claims on their own, but this can lead to common mistakes. A simple mistake can result in a denial of their claim. A long-term disability insurance attorney is vital to ensure a fair review of your claim or appeal. Moreover, an LTD lawyer can help you avoid detrimental mistakes that could cost you your benefits.
Our long-term disability team at CCK understands the ins and outs of the claim and appeal process. We can help you meet all filing deadlines, and we can collect and submit all documentation and evidence on your behalf.
Many claimants have group policies. These are ERISA-governed policies. ERISA is a federal law that has its own strict deadlines and regulations. An ERISA attorney from Chisholm Chisholm & Kilpatrick serving Readington, NJ can ensure that your claim and/or appeal are compliant with this law. Under ERISA, the appeal stage is the last time you may submit evidence, so we will make sure your claim file has the strongest relevant evidence to prove your case.
CCK Can Collect Supplemental Evidence to Strengthen Your LTD Claim
Medical records are often claimants’ primary source of evidence. However, some claimants require supplemental evidence to demonstrate their need for LTD benefits. CCK utilizes several forms of supplemental evidence. We can determine which evidence best supports your claim and collect it for you. Such evidence includes:
- Specialized reports from your treating physicians: Medical records often do not tell the whole story. Your physicians have unique insights into how your condition impairs you. A specialized report can highlight these aspects and illustrates why you need long-term disability benefits.
- Witness statements from family, friends, and co-workers: Others often see how your condition affects you. Therefore, witness statements are useful in corroborating your LTD claim. Family and friends can vouch for how your condition impairs you at home, and co-workers can attest to how your condition prohibits you from working.
- Additional evaluations by outside experts: Insurance companies prefer objective evidence. Sometimes your claim or appeal can benefit from additional third-party evidence. CCK works with several experts who can provide your claim with functional capacity, neuropsychological, and vocational evaluations.
CCK Can Help Alleviate the Stress of Dealing with the Insurance Company
Insurance companies are often difficult to handle. It is common for them to constantly inundate claimants with requests for more information. CCK can act as a point of contact between you and your insurer. In short, all correspondence must pass through us, first.
Insurance companies should handle every claim neutrally, but this is not always the reality. Such companies routinely prioritize their bottom line rather than approving claims. CCK understands how frustrating this is. We hold insurance companies accountable. Further, we will ensure that you meet all deadlines, submit all relevant evidence, and represent you, if necessary, during litigation.
Our long-term disability attorneys have over 30 years of combined experience and know what insurance companies look for in a successful claim. Moreover, if you receive a denial of your initial claim, we can handle your appeal, too. Our team can review your denial letter and create a comprehensive appeal package on your behalf. Further, if you were receiving benefits but had them wrongfully terminated, we can fight on your behalf to have them reinstated.
Call CCK Today for a Free Consultation
CCK can help you wherever you are in the long-term disability process. You should not have to worry about obtaining your benefits. We believe you should be focusing on what matters most: your health. Let us take the burden off your shoulders when it comes to filing or appealing for LTD benefits. A long-term disability lawyer serving Readington, New Jersey from CCK can assist you.
Call CCK today at 800-544-9144 for a free consultation with a member of our team. We will evaluate your claim and see if we can help.
Readington Blog Posts
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Long-term disability (LTD) benefits are important for those who have a medical condition that prevents them from working. These benefits protect a percentage of a person’s income, usually between 60 and 80 percent of their pre-disability earnings. Yet what happens if they lose their job while receiving benefits? Generally, when you lose your job, it […]