Long-Term Disability Lawyer Serving Upper Saddle River, NJ
When you develop a medical condition that prevents you from working, then you must consider filing for long-term disability (LTD) benefits. These benefits can protect a percentage of your pre-disability earnings, and they can allow you to focus on managing your condition over an extended period.
However, these benefits are often difficult to obtain because insurance companies routinely deny claims. It can be frustrating dealing with the insurance company and with ERISA, a federal law that governs most group policies that people receive through their employer.
A long-term disability lawyer serving Upper Saddle River, NJ from Chisholm Chisholm & Kilpatrick is ready to assist you. Call us today at 800-544-9144 for a free consultation with a member of our team.
A Long-Term Disability Lawyer Can Help You with Your Claim
Filing a long-term disability claim can be difficult. You must deal with submitting the right documentation; collecting medical records and other evidence to prove your claim; submitting everything by specific deadlines; complying with ERISA; and more. Moreover, LTD policies, which have a lot of vital information, are often dense and difficult to understand.
The disability rate in Upper Saddle River, NJ was 2 percent between 2016 and 2020. If you find yourself needing to file a long-term disability claim, contacting a long-term disability lawyer can be beneficial for your claim. CCK is prepared to help you at any point in the process.
Our LTD attorneys have over 30 years of combined experience. Our team is well-versed in ERISA and will ensure that your claim is compliant. Moreover, we can review your policy, determine your definition of disability, and collect all necessary evidence to prove your claim. If the insurance company denies your claim, CCK can handle your appeal too.
We Can Collect and Submit All Evidence for Your LTD Claim
Medical records are claimants’ primary source of evidence. Evidence is necessary to prove how your condition meets your policy’s specific definition of disability.
However, some claimants may need additional evidence to illustrate their need for benefits. CCK can collect such supplemental evidence and submit it to your insurer on your behalf. Such evidence can include:
- Specialized reports from treating physicians: Your treating physicians have unique insights into how your condition affects you and prevents you from working. Medical records often do not tell the whole story, but your physician can highlight key aspects of your condition that necessitate LTD benefits.
- Witness statements from family, friends, and coworkers: Others often see how your condition impairs you. Obtaining official witness statements from them is an effective way to strengthen your claim. Family and friends can attest to how your condition impacts you at home. Coworkers can vouch for how your condition prevents you from working in the workplace.
- Additional evaluations from outside experts: CCK works with several third-party experts who can provide your claim with objective evidence. Insurance companies prefer such evidence. Outside experts can provide functional capacity tests, neuropsychological assessments, and vocational evaluations.
CCK Can Alleviate the Stress of Dealing with the Insurance Company
It is stressful dealing with the insurance company while filing a claim for long-term disability benefits. Moreover, if they deny your claim, filing an appeal can become overwhelming. Often, such companies incessantly ask for more information. They request you attend an independent medical exam (IME); surveil you; monitor your social media posts; and more. In short, they do not want to approve LTD claims, and if they can find something to use against you, they will.
However, this is not something you must do on your own. CCK is prepared to help you deal with your insurer. We can handle most aspects of your claim so that you can focus on what matters most: your health. Therefore, we can begin by acting as a point of contact between you and your insurer. All correspondence must pass through us first.
If your insurer requests that you attend an IME, our team can advise you every step of the way. Likewise, if your insurer denies your claim, we are prepared to handle your appeal. We can review the denial letter, review your file claim, and craft a compelling appeal about your need for LTD benefits. If necessary, we can represent you during litigation.
Call Today for a Free Consultation
We understand how frustrating it is trying to get long-term disability benefits. A long-term disability lawyer serving Upper Saddle River, NJ from CCK is ready to help no matter where in the process you are. CCK believes that nobody should have to stress over receiving the benefits to which they are entitled. Our team can alleviate this stress.
Call CCK today at 800-544-9144 for a free consultation with a member of our team. We will evaluate your case and see if we can assist you.
Upper Saddle River Blog Posts
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Why Do Insurers Deny Long-Term Disability Claims?When a person develops a medical condition that impairs their ability to work, they want to know that they can turn to their long-term disability (LTD) benefits. Yet many insurance companies routinely deny LTD claims. This can make the possibility of receiving such benefits seem impossible. Unfortunately, insurance companies prioritize their financial needs often. These […]
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