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Long-Term Disability Lawyer Serving Saddle River, NJ

A medical condition can sideline a professional in any industry.  When you are unable to work due to an illness or injury, it may seem impossible to overcome.  However, long-term disability (LTD) benefits can help protect your pre-disability earnings so that you may focus on managing your condition.  Obtaining these benefits can be difficult, so a long-term disability lawyer serving Saddle River, NJ from CCK is ready to help.

This is not a process you must do on your own.  Insurance companies are often difficult to work with and typically do not want to pay claims if they can help it.

Our team has over 30 years of combined experience dealing with such companies and understands how they operate.  Call CCK today at 800-544-9144 for a free case evaluation with a member of our team and see if we can assist you.

A Long-Term Disability Lawyer is Beneficial for Your Claim

Some claimants may decide to handle their long-term disability claims on their own.  Handling your claim on your own can create additional issues.  Claimants are more apt to make simple, common mistakes that could be detrimental to the success of their claim.  Thus, contacting a long-term disability insurance lawyer to help is beneficial.

CCK understands how difficult this process is and can help you regardless of what stage you are in.  Our team can track all filing deadlines; advise you when you must attend an “independent medical exam”; determine, collect, and submit all necessary evidence to prove your claim; and more.  Additionally, long-term disability policies are often dense and hard to understand, but we can help you understand your coverage as you file for benefits.

Moreover, if you have an employer-sponsored group policy, then ERISA likely governs it.  ERISA is a complex federal law that has its own strict regulations and deadline to which your claim must adhere.  Our team will ensure that your LTD claim and/or appeal is compliant with this law.

Chisholm Chisholm & Kilpatrick Can Collect and Submit Evidence on Your Behalf

Every long-term disability policy contains a definition of disability.  Claimants must prove that their condition disables them per their policy’s specific definition to receive benefits.

Evidence is necessary to prove your claim.  Most claimants’ primary source of evidence are medical records.  Some claims require supplemental evidence, which CCK can collect and submit on your behalf.  Such evidence can include:

  • Specialized reports from treating physicians: The physicians who are treating your condition have unique insights into your impairment. They can draft a specialized report that highlights key aspects of your condition that ordinary medical records do not.  Maintaining an open dialogue with your physician(s) is important so that they may fully explain your need for benefits.
  • Witness statements from family, friends, and co-workers: Others often see how your condition affects you daily. For example, friends and family see how your condition affects you in private, which can demonstrate how far-reaching your disability is.  Co-workers can attest to how your condition prevents you from performing the material duties of your occupation.
  • Additional evaluations from outside experts: Insurance companies prefer objective evidence. CCK works with several outside experts who can provide your claim with such evidence.  This evidence can include functional capacity, neuropsychological, and vocational evaluations.

CCK Can Alleviate the Stress of Dealing with the Insurance Company

Insurance companies deny numerous claims every year.  In short, if an insurance company can find a reason to justify a denial of long-term disability benefits, then they will.  In Saddle River, NJ, you may face the reality of dealing with the insurance company, and this can cause unnecessary stress.  CCK wants to alleviate this stress so that you can focus on your health.

First, CCK can act as a point of contact between you and your insurer.  Often, insurance companies are interminable with their request for information, which can become overwhelming.  When clients work with CCK, all such correspondence must pass through us first.

If you receive a denial of your initial claim, our team can review your denial letter and help craft a strong appeal to help you secure your benefits.  Moreover, we can request your claim file from your insurer on your behalf.  The claim file is usually hundreds — sometimes thousands — of pages long, but we can thoroughly review this file to help us assemble your appeal.

In some instances, an appeal may also receive a denial.  Claimants have the right to file a lawsuit against the insurance company — though litigation under ERISA is difficult.  Nevertheless, we have the expertise necessary to litigate in court for LTD benefits.

Call CCK Today for a Free Case Evaluation

We understand that filing for long-term disability benefits is both stressful and frustrating.  CCK can help.  Our long-term disability attorneys have a proven record of success going up against all the big-name insurance companies.  A long-term disability lawyer serving Saddle River from CCK is ready to fight for your benefits.

Call CCK today at 800-544-9144 for a free case evaluation with a member of our team.  We will analyze your case and determine if we can assist you.