Long-Term Disability Lawyer Serving Bedford, NY
When you develop a disability that prevents you from working, you must consider long-term disability (LTD) benefits. These benefits can protect a percentage of your pre-disability income. A long-term disability lawyer serving Bedford, NY from CCK can help you obtain these necessary benefits.
Acquiring LTD benefits can be challenging, especially when dealing with an insurance company. Insurance companies often deny claims, so it is beneficial to consult an experienced attorney who can help you navigate this process. Call CCK today at 800-544-9144 for a free case evaluation with a member of our team.
Consulting a Long-Term Disability Lawyer is Beneficial for Your Claim
Some LTD claimants may decide to handle their disability claim on their own. However, those not familiar with the long-term disability process are more apt to make mistakes. These mistakes can lead to a denial of your claim. If you have a group policy through your employer, then ERISA — a strict federal law — can further complicate matters.
Chisholm Chisholm & Kilpatrick has been helping long-term disability claimants fight for their benefits for decades. Our team has extensive knowledge of ERISA and can ensure that your claim is compliant. Further, we can help you understand your policy’s coverage, including its definition of disability. This definition is an important aspect of every claim, and we can help collect evidence that demonstrates your condition meets this definition.
Moreover, CCK can help you submit all documentation, including the claim forms, track all filing deadlines, and help you with your appeal if necessary. In short, we can help you at any stage of your Bedford, NY long-term disability claim.
Chisholm Chisholm & Kilpatrick Can Collect and Submit All Evidence for Your LTD Claim
Every long-term disability policy, whether a group or individual policy, has a definition of disability. Claimants must prove their condition meets this definition to receive monthly disability benefits. Evidence is necessary to demonstrate to the insurance company that a medical condition disables you from your position. Most claimants rely on medical evidence as their primary source of evidence.
Yet some LTD claims require supplemental evidence to prove a disabling condition. CCK can collect and submit this evidence on your behalf. We can collect evidence such as:
- Specialized reports from treating physicians: Your doctors have unique insights into how your condition impairs you. A specialized report can highlight key aspects of your medical condition that ordinary medical records do not. Thus, it is important to maintain open communication with your treating physicians so that they know the full extent of your disability.
- Witness statements from family, friends, and co-workers: Others often see how your condition impacts your life — both at home and in the workplace. For example, family and friends can vouch for how your condition impairs you at home. Co-workers can attest to how your condition prevents you from working. These statements can help bolster your claim.
- Additional medical and vocational evaluations: Insurance companies prefer objective evidence. CCK works with several third-party experts who can provide your claim with such proof. This evidence can include functional capacity tests, neuropsychological assessments, and vocational evaluations.
CCK Can Help Alleviate the Stress of Dealing with the Insurance Company
The disability rate in Bedford, NY was 4.6 percent. As such, many may face the reality of having to file for long-term disability benefits. Insurance companies who administer LTD policies should handle every claim for disability benefits neutrally. However, this is often not the reality claimants face. Instead, such companies typically prioritize their financial needs, which leads to a multitude of denials every year.
Insurance companies scrutinize every long-term disability claim. They may incessantly ask claimants for more information regarding their condition. Likewise, they may hire a private investigator to surveil claimants, or they may require claimants to attend independent medical exams (IMES). If an insurance company can find any reason at all to deny an LTD claim, they will.
However, you do not have to go up against big-name insurance companies — like Humana, Unum, or The Hartford — on your own. CCK has over 30 years of combined experience dealing with insurance company LTD denials, and we know what they look for in a successful claim.
Our team can handle every aspect of your initial claim and/or appeal and help alleviate the stress that comes from dealing with the insurance company. We help our clients by acting as a point of contact between them and their insurers. This ensures that all correspondence passes through us first. Moreover, we can review claimants’ denial letters, request and review claim files from the insurance company, submit all evidence, and more.
Call Today for a Free Case Evaluation on Your Bedford NY Claim
It is frustrating trying to obtain benefits for your disability. If you receive a denial, then it can become overwhelming. Yet this is not something you must do on your own. CCK can help at any stage of the process, from the initial claim through litigation in court.
Call Chisholm Chisholm & Kilpatrick today for a free case evaluation with a member of our team serving Bedford, NY. We will analyze your case and determine if we can assist you.
Bedford Blog Posts
- Can Your Benefits Be Terminated While on Long-Term Disability?
Long-term disability (LTD) claims can be challenging and time-consuming. Long-term disability insurance coverage can help protect a percentage of your income when you are unable to return to work due to a debilitating medical condition or injury. Many, though not all, LTD policies allow benefits until retirement age. Unfortunately, even once your long-term disability claim […]
- What To Do if Your Long-Term Disability Claim Is Denied
It 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 […]
- Long-Term Disability (LTD) Insurance Company Deadlines: ERISA
Employer-provided long-term disability (LTD) policies are governed by the Employee Retirement Security Act of 1974 (ERISA), which includes requirements for deadlines. Insurance companies must follow the ERISA regulations when issuing decisions on your long-term disability claim or appeal. Initial Claim Decision Deadlines In order to receive long-term disability (LTD) benefits, you will need to file […]