Long-Term Disability Lawyer Serving Woodcliff Lake, NJ
Developing a medical condition or suffering from an injury that prevents you from performing the duties of your job can be overwhelming. You may begin worrying about how you will protect your income, especially with medical bills and everyday expenses. In such situations, you must consider filing for long-term disability (LTD) benefits.
Long-term disability benefits can protect a percentage of your pre-disability earnings—usually 60 to 80 percent. Yet obtaining these benefits can be difficult. A long-term disability lawyer serving Woodcliff River, NJ from Chisholm Chisholm & Kilpatrick is ready to help you get the benefits to which you are entitled. Call us today at 800-544-9144 for a free consultation with a member of our team.
A Long-Term Disability Lawyer is Beneficial for Your Claim
Woodcliff Lake, New Jersey’s disability rate between 2016 and 2020 was 2.9 percent. You may also be facing the prospect of filing for LTD benefits. Some claimants decide to handle their claims on their own. However, this is not always the best decision, especially since the long-term disability process can be complex. If you have a policy through your employer, then you must also make sure your claim is compliant with ERISA.
This can all be overwhelming for claimants, but this is not a process you must do alone. A long-term disability lawyer is beneficial to have for your claim and/or appeal. They are well-versed in ERISA and disability law and can help you at any stage of the process.
CCK is ready to help. Our team can help you with all documentation and track all filing deadlines. If you miss one of these deadlines, you may lose out on your benefits entirely.
Moreover, if you received a denial of your initial claim, or your insurer terminated the LTD benefits you were already receiving, our team has the experience to help fight for your benefits. If you were wrongly denied your benefits, you have the right to appeal. The ERISA attorneys at Chisholm Chisholm & Kilpatrick can help you file your appeal and fight on your behalf against any insurance company.
CCK Can Collect and Submit Supplemental Evidence to Reinforce Your Woodcliff Lake Claim for Benefits
Medical records are most claimants’ primary source of evidence. This evidence is necessary to prove that your condition meets your policy’s definition of disability, which is required to receive an approval. However, some claimants may need to submit additional evidence to reinforce their claim. CCK can determine if this evidence is necessary and, if it is, can collect and submit it on your behalf. Such evidence can include:
- Specialized reports from your treating physician: Your doctor has unique insights into your condition. Thus, maintaining an open dialogue with them is vital so that they understand how far-reaching and impairing it truly is. They can write a specialized report that highlights key aspects of your disabling condition that ordinary medical records do not.
- Witness statements from family, friends, and coworkers: Others in your life often see how your condition impairs you and prevents you from working. Family and friends can write witness statements that show how your condition affects you at home. Moreover, coworkers can write statements that corroborate how you cannot work.
- Additional evaluations from outside experts: Insurance companies prefer objective evidence, and certain claims require additional evaluations from outside experts to provide such evidence. CCK works with several outside experts. These experts can provide medical (e.g., neuropsychological) and vocational evaluations.
We Can Alleviate the Stress of Dealing with the Insurance Company
It is often stressful dealing with the insurance company while filing for long-term disability benefits. Such companies routinely prioritize their financial needs, which can lead to numerous denials. Many insurance companies deny LTD claims regularly, and they may employ surveillance tactics or require claimants to attend independent medical exams (IMEs) to find reasons to justify their decision.
When you receive a denial of your claim, it can be demoralizing. Yet it is not the end of the road; you have the right to appeal. CCK has over 30 years of experience dealing with insurance companies and know how they operate. We know what they look for in a successful claim, and we will always hold them accountable.
Often, insurers incessantly ask claimants for more information, which can add stress to an already stressful situation. Chisholm Chisholm & Kilpatrick can act as a point of contact between you and them; all correspondence must first pass through us. This frees up your time to focus on managing your condition.
Moreover, we will ensure that your claim and/or appeal is compliant with ERISA, and, if necessary, we can represent you in court during litigation.
Call CCK Today for a Free Consultation
CCK can help you at any stage of the long-term disability claims and appeals process. We believe you should not have to worry about obtaining these disability benefits and want to help.
Call us today at 800-544-9144 for a free consultation with a member of our team serving Woodcliff Lake, NJ. We will evaluate your claim and see if we can assist you.
Woodcliff Lake Blog Posts
- How Does Long-Term Disability Work With Social Security Disability?
Insurance companies typically aim to pay less out of their own pocket whenever possible. As a result, most long-term disability (LTD) policies will require you to apply for Social Security Disability Insurance (SSDI) benefits and, if you are approved for SSDI benefits, the insurance company will then look to offset your long-term disability benefits with […]
- Individual Long-Term Disability Insurance Policies
Many hard-working professionals spend their entire lives building their careers. Thus, it can be difficult to cope with the prospect of losing the ability to work. In such circumstances, people must consider filing for long-term disability (LTD) benefits if they have that coverage available to them. However, the LTD process can differ depending on what […]
- Long-Term Disability (LTD) Claims for Psychiatrists
Psychiatry can be a demanding and emotionally taxing profession. When you develop a medical condition as a psychiatrist that negatively impacts your ability to do your job, you may have to file a long-term disability (LTD) claim. It can sometimes seem impossible to overcome, especially when you are facing the reality of not working in […]