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Long-Term Disability Lawyer Serving Wyckoff, NJ

When a person develops a medical condition that renders them unable to work, they must consider filing for long-term disability (LTD) benefits.  However, obtaining these benefits is often difficult because insurance companies routinely deny claims.  However, claimants do not need to go through this process alone.  A long-term disability lawyer serving Wyckoff, NJ from Chisholm Chisholm & Kilpatrick is ready to assist you.

CCK can help you no matter where you are in the process.  We have the experience to assist you whether you are filing an initial claim, appealing a denial or termination of your LTD benefits, or bringing your claim to court.  Call CCK today at 800-544-9144 for a free consultation with a member of our team.

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

The disability rate in Wyckoff, New Jersey between 2016 and 2020 was 2.1 percent.  This number represents a sizable portion of the town’s 17,000 residents.

If you are unable to work due to a disabling condition, it is important to understand that long-term disability benefits can help protect your income.  Typically, these benefits can cover between 60 and 80 percent of your pre-disability earnings.

Nevertheless, filing for LTD benefits is often stressful.  It is difficult to fill out the necessary paperwork, handle correspondence with the insurance company, and determine and collect necessary evidence all on your own when managing a debilitating condition.  Some claimants may decide to try and file their claim or appeal on their own, but this can lead to common mistakes.  These mistakes could lead to a denial of your claim.

Contacting a long-term disability lawyer is beneficial.  They have the knowledge and experience necessary to ensure a fair review of your claim.  The long-term disability insurance attorneys at CCK have over 30 years of combined experience.  We know what makes a successful claim and want to help you at any point in the process.

Our team can track all deadlines; handle all documentation; and determine, collect, and submit all evidence on your behalf.  Moreover, if you receive a denial of your initial claim, Chisholm Chisholm & Kilpatrick is ready to handle your appeal too.

CCK Can Collect Supplemental Evidence to Strengthen Your Wyckoff Long-Term Disability Claim

Every long-term disability policy contains a definition of disability.  Claimants must prove that their medical condition meets this definition in order to receive benefits.  To do this, they must collect and submit evidence to the insurance company.  Medical records are normally a claimant’s primary source of evidence.  However, some claims require supplemental evidence to prove their case.  CCK utilizes several forms of supplemental evidence that we can collect and submit on behalf of our clients.  This evidence can include:

  • Specialized reports from treating physicians: Your treating physician(s) has unique insights into how your condition affects you. Maintaining an open dialogue with your doctor is crucial so that they may accurately explain the far-reaching impact of your condition.  Your treating physician can write a specialized report that highlights aspects of your disability that your medical records do not.
  • Witness statements from family, friends, and co-workers: Others often see how your condition impacts your daily life. For example, friends and family see how your condition affects you at home.  Further, co-workers see how your condition affects you at the workplace.  Obtaining witness statements from these individuals can significantly reinforce your claim.
  • Additional evaluations from outside experts: CCK works with several outside experts. These experts can provide your claim with objective evidence, which insurance companies prefer.  This evidence can include functional capacity tests, neuropsychological assessments, and vocational evaluations.

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

Insurance companies do not like approving or paying claims.  They often prioritize their financial needs, which results in many denials.  It is normal for insurers to hire private investigators to surveil claimants.  They use this surveillance to deny claims.

Moreover, they may request claimants attend independent medical exams (IMEs); however, these are often biased since the doctors performing them are paid by the insurance company.  Insurance companies also incessantly ask claimants for more information throughout the process.

Our team believes that you should not have to deal with this added stress.  Therefore, we can act as a point of contact between you and your insurer.  In other words, all correspondence must pass through us first.  We understand how insurance companies operate and will hold them accountable.

If you do receive a denial, CCK is ready to help you with your appeal.  We can review your denial letter and ascertain the best way forward.  Further, we can create a comprehensive appeal package that illustrates your need for LTD benefits.  If you have an ERISA-governed group plan, our ERISA attorneys will ensure that your appeal is compliant with this often-complex federal law.

Call Us Today for a Free Consultation

Obtaining long-term disability benefits is stressful.  If you receive a denial, it can be disheartening.  However, CCK is prepared to help you.  We believe you should not have to worry about getting your benefits and instead should be focusing on what matters most: your health.  A long-term disability lawyer serving Wyckoff, NJ from CCK is ready to assist.

Call CCK today at 800-544-9144 for a free consultation with a member of our team.  We will evaluate your claim and see if we can help.