Long-Term Disability Lawyer Serving West Windsor, NJ
When you develop a medical condition that prevents you from working for an extended period, then you must consider filing for long-term disability (LTD) benefits. These benefits can protect a percentage of your pre-disability earnings—typically 60 to 80 percent.
You may have an LTD policy through your employer, or you may have bought one yourself. Regardless, you may face a denial of your claim.
Facing a denial of long-term disability benefits is stressful and overwhelming. If you live in West Windsor, NJ, you may be facing such a denial and wondering what to do. A long-term disability lawyer from Chisholm Chisholm & Kilpatrick serving West Windsor, NJ can help you with your claim.
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
Some claimants in West Windsor, NJ may try and handle their claims on their own. However, when a person handles a long-term disability claim on their own, they are more apt to commit common mistakes that could cost them their benefits. A long-term disability lawyer from CCK can help you navigate the complexities of receiving such benefits.
Our team can track all filing deadlines for your claim. While such deadlines may seem minor, they can have a negative impact on your claim if you miss one. We will ensure that this does not happen. Moreover, we can help you with your claim forms and other documentation that you must submit when establishing your claim.
If you have an LTD policy through your employer, then you must be cognizant of ERISA. ERISA is a federal law that governs such policies and presents further complications to receiving benefits. Our ERISA attorneys understand this law and will help ensure that your claim and/or appeal is compliant. If a claimant does not follow ERISA’s strict regulations, they may lose their rights to their long-term disability benefits.
CCK Can Collect Supplemental Evidence to Strengthen Your West Windsor Claim
Every long-term disability policy contains a definition of disability that claimants must prove they meet to receive benefits. You must submit evidence to demonstrate this definition.
Medical records are your primary source of evidence, but some claims may require further proof. CCK utilizes various forms of supplemental evidence. We can determine, collect, and submit this evidence on your behalf. Such evidence can include:
- Specialized reports from your treating physicians: Your treating physicians have unique insights into how your condition specifically affects you. Ordinary medical records often do not highlight key aspects of your disability, so maintaining an open dialogue with your doctors during treatment is vital.
- Witness statements from family, friends, and coworkers: Others often see how your condition impairs you. Family and friends can vouch for how your condition affects you at home, and coworkers can attest to how your condition affects you in the workplace.
- Additional evaluations from outside experts: Some claims require additional medical and vocational evaluations. Insurance companies prefer objective evidence, and CCK works with third-party experts who can provide your claim with such proof. This can include functional capacity tests and neuropsychological evaluations.
CCK Can Alleviate the Stress of Dealing with the Insurance Company
Insurance companies should handle every claim neutrally, but this is not always the reality. Often, such companies prioritize their own financial needs. As such, many LTD claimants receive denials of their claims. Moreover, insurance companies are also relentless with their correspondence and requests for more information. It can quickly become overwhelming. Luckily, this is not something you must handle on your own.
The long-term disability attorneys from CCK understand how difficult insurance companies are—our attorneys have over 30 years of experience dealing with insurance companies and know how they operate. We hold them accountable and can go up against any big-name insurance company to fight for your benefits.
Our team can act as a point of contact between you and your insurer. In other words, all correspondence must pass through us first. We can submit all documentation and evidence on your behalf, and we can advise you every step of the way, such as when your insurer requests you to attend an independent medical exam (IME).
Call CCK Today for a Free Consultation
CCK can help you at any point in the LTD claim and appeal process. Whether you are filing an initial claim; appealing a denial or termination of benefits; or litigating in court, CCK has the experience necessary to assist you. We believe that you should not have to worry about obtaining the disability benefits to which you are entitled.
Call CCK today at 800-544-9144 for a free consultation with a member of our team serving West Windsor, NJ. We will evaluate your claim and see if we can help.
West Windsor Blog Posts
- What Happens to Long-Term Disability (LTD) Benefits If I Lose My Job?
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 […]
- Litigation and Long-Term Disability Insurance
Filing a long-term disability (LTD) claim is complex and overwhelming for many claimants. While all claimants hope their insurance company approves their initial claim, this is not always the case. When the insurance company denies an initial claim, the claimant has the right to appeal; but what happens when the appeal is denied, too? The […]
- Own Occupation vs. Any Occupation Long-Term Disability Insurance Policies
Your long-term disability (LTD) insurance policy will specify what definition of disability you need to meet in order to receive benefits. Many definitions of disability contain language specifying what occupation(s) you must be disabled from in order to meet the definition of disability. LTD policies commonly refer to these definitions as own occupation and any […]