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Long-Term Disability Lawyer Serving Rumson, NJ

When a person develops a medical condition or suffers an injury that debilitates them and prevents them from working, they must consider filing for long-term disability (LTD) benefits.  These benefits may be bought directly from the insurance company or obtained through an employer’s benefits package.  Regardless, such benefits are often difficult to obtain, which can be stressful.  Luckily, this is not something you must do on your own.

A long-term disability lawyer serving Rumson, NJ from Chisholm Chisholm & Kilpatrick can help you regardless of where you are in the process.  We have the expertise and knowledge necessary to fight for your benefits.  Call us today at 800-544-9144 for a free consultation.

Consulting with a Long-Term Disability Lawyer Can Help You with Your Claim

The disability rate in Rumson, NJ between 2016 and 2020 was 1.8 percent.  If you have a disabling condition, you may be considering filing for LTD benefits.  However, filing for long-term disability benefits can be stressful.

Some claimants may decide to handle their claims on their own, but this can lead to simple, common mistakes.  Even a simple mistake could cost you your benefits.  Thus, working with a long-term disability lawyer is beneficial for your claim.

The long-term disability lawyers at CCK are ready to help you with your claim.  Whether you are filing an initial claim or appealing a denial or termination of your LTD benefits, we have the experience necessary to fight for the benefits to which you are entitled.

We can help you with all your documentation and submit it for you.  Moreover, our team can determine, collect, and submit all evidence necessary for your claim.  There are strict deadlines by which you must file your claim and/or appeal, and our team can track these deadlines to ensure that your insurer receives everything on time.  A missed deadline could be detrimental to your claim.

CCK Can Collect and Submit Supplemental Evidence for Your Rumson Long-Term Disability Claim

Medical records are often claimants’ primary source of evidence to prove that they require LTD benefits.  Such evidence is necessary to show your insurer that your debilitating condition meets your policy’s definition of disability.  However, some claimants need additional evidence to strengthen their claims.

CCK can review your claim/appeal and determine if such evidence is necessary.  We can collect and submit supplemental evidence to bolster your claim.  Such evidence can include:

  • Specialized reports from your treating physicians: Your doctors have unique insights into your condition and how it impairs you. They can write a specialized report on your condition that can highlight key aspects of your condition that ordinary medical records cannot.
  • Witness statements from family, friends, and coworkers: Personal acquaintances often see how your condition impacts you. Obtaining official witness statements from them can corroborate other evidence within your claim as to the extent and severity of your condition.  Family and friends can attest to how your condition affects you at home; coworkers can attest to how your condition impairs you in the workplace.
  • Additional evaluations from outside experts: Some claims require additional medical and vocational evidence. Insurance companies prefer objective evidence, and CCK works with several outside experts who can provide such evidence.  This proof can include functional capacity tests, neuropsychological assessments, and vocational evaluations.

Chisholm Chisholm & Kilpatrick Can Help Alleviate the Stress of Dealing with the Insurance Company

Insurance companies should handle every case neutrally, but this is often not the case.  Unfortunately, such companies prioritize their financial needs, and this can result in numerous denials of LTD claims.  Moreover, insurance companies routinely employ surveillance tactics, social media monitoring tactics, and request independent medical exams (IMEs).  If they can find a reason to deny your claim, they will.

Chisholm Chisholm & Kilpatrick can help alleviate the stress of dealing with the insurance company by acting as a point of contact.  In other words, all correspondence must first pass through us.  This frees up your time to focus on your health.  Moreover, we can submit everything on your behalf so you do not have to deal with your insurer.

If you have a group policy through your employer, then you must be cognizant of ERISA.  This is a federal law that governs such policies.  This complex law often benefits the insurance company.  Our ERISA attorneys will ensure that your claim and/or appeal is compliant with this law to ensure a fair review.

Call CCK Today for a Free Consultation

Regardless of where in the process you are, CCK can help.  We can help you with your initial claim, your appeal, or your lawsuit in court.  We want to ease the burden of getting long-term disability benefits.

Call CCK today at 800-544-9144 for a free consultation with a member of our team serving Rumson, New Jersey.  We will evaluate your case and see if we can assist.