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Long-Term Disability (LTD) Lawyer Serving Tewksbury, NJ

Developing a medical condition or suffering an injury that keeps you from working is overwhelming.  Hard-working professionals, regardless of industry, usually do not want to stop working.  However, sometimes it is the best way forward.  In such situations, long-term disability (LTD) benefits may be necessary.

If you live in Tewksbury, NJ, and require long-term disability benefits, then you must file a claim with your insurer.  However, insurance companies often deny claims.

This is not a process you must do on your own.  A long-term disability lawyer serving Tewksbury, NJ from Chisholm Chisholm & Kilpatrick can help you.  Call us today at 800-544-9144 for a free case evaluation.

Consulting a Long-Term Disability Lawyer is Beneficial for Your Claim

Between 2017 and 2021, the disability rate in Tewksbury, New Jersey was 2.9 percent.  Those with a disabling condition that renders them unable to work for an extended period must consider filing an LTD claim.  Some claimants may decide to handle their claim on their own, but this is not always advisable.  It is easy to make a mistake on your own, and a mistake — even a minor one — could cost you your benefits.

Thus, consulting a long-term disability lawyer is beneficial for your claim.  A long-term disability lawyer serving Tewksbury, NJ from CCK is prepared to help you at any stage of the claim and appeal process.  Our team has over 30 years of combined experience helping claimants fight for their benefits.  We believe you should not have to worry about handling this often complex process on your own.

CCK can help you understand your policy.  LTD policies are often dense documents and hard to understand.  Yet these policies contain a lot of vital information pertaining to your claim, including deadlines; the definition of disability; the maximum benefit period; how to appeal; and more.

We will help ensure that the evidence and documentation you submit to your insurer reinforce your claim for benefits by proving you are disabled per your policy’s definition of disability.

CCK Can Collect and Submit All Evidence on Your Behalf for Your LTD Claim or Appeal

One of the most important components of your long-term disability policy is its definition of disability.  You must prove to them that your condition disables you per this definition for your insurer to approve your claim.  You must submit evidence to prove this; many claimants rely primarily on their medical records as evidence.  However, some claims require supplemental evidence.

CCK utilizes various forms of evidence when submitting claims and appeals for long-term disability benefits.  We analyze your case and determine, collect, and submit the best evidence on your behalf.  Some of the evidence we can collect on your behalf includes:

  • Specialized reports from treating physicians: Your treating physicians have unique insights into how your condition affects you. Medical records often do not tell the whole story, so having a specialized report can help highlight key aspects of your disability and it necessitates LTD benefits.
  • Witness statements from friends, family, and co-workers: Others often see how your condition impairs you each day. For example, friends and family see how your condition impairs you at home, and co-workers see how it prohibits you in the workplace.  Obtaining official witness reports can help bolster the validity of your claim.
  • Additional medical and vocational evaluations: CCK works with several third-party experts who can provide your claim with objective evidence. Insurance companies prefer such evidence.  These experts can perform additional medical (e.g., neuropsychological) and vocational evaluations.

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

Insurance companies should handle every long-term disability claim neutrally.  Likewise, when you have LTD coverage in Tewksbury, NJ, you expect those benefits to be there when you need them.  However, insurance companies deny a myriad of claims every year.  They often prioritize their financial needs, which can lead to such denials.  CCK understands how frustrating and stressful it is to deal with such companies and wants to help.

First, CCK can act as a point of contact between you and your insurer.  This ensures that all communication passes through us first, which frees up your time to focus on what matters most: your health.  Additionally, we can submit all evidence and documentation, on time, to the insurance company on your behalf.

If you have an employer-sponsored group policy, then you must be aware of ERISA.  An ERISA attorney from Chisholm Chisholm & Kilpatrick will ensure that your claim and/or appeal is compliant with this strict federal law that governs such claims.

In short, CCK can help alleviate the stress of dealing with the insurance company at any stage of the process, from your initial claim all the way through litigation.

Call CCK for a Free Case Evaluation

CCK understands how difficult it can be to obtain long-term disability benefits.  A long-term disability insurance attorney serving Tewksbury, New Jersey is ready to help fight for your disability benefits.

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 assist you.