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
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What To Do if Your Long-Term Disability Claim Is DeniedIt is frustrating when you develop a debilitating condition that prevents you from working. As a result, you must file for long-term disability benefits. But what do you do when you receive a denial of your initial claim from your insurance company? While many claimants file their LTD claims and appeals by themselves, it is […]
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Why ERISA Was Enacted And How It Should Benefit You TodayERISA, or the “Employee Retirement Income Security Act of 1974,” is a federal law. The U.S. House of Representatives enacted ERISA to implement rules and standards plan administrators must follow to protect individuals who have employer-provided benefit plans. These plans include pensions; retirement funds; welfare benefits; health benefits; and 401(k)s. It also covers most employer-provided […]
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Filing Deadlines for ERISA-Governed Long-Term Disability (LTD) ClaimsLearning to cope with a new sickness or injury can be difficult, stressful, and cause a lot of uncertainty. In addition to managing your health, you must navigate the procedures and deadlines associated with applying for ERISA-governed long-term disability (LTD) benefits. If you received your long-term disability insurance through your employer, the procedures are likely […]