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Long-Term Disability Lawyer Serving Clarkstown, NY

Developing a medical condition that renders you unable to work is stressful.  If this condition keeps you from working for an extended period, then you must consider filing for long-term disability (LTD) benefits.  These benefits can protect your pre-disability income but are often difficult to obtain.  A long-term disability lawyer serving Clarkstown, NY from CCK can help.

Insurance companies deny numerous claims every year.  While insurance companies should handle every LTD claim fairly, this is not often the reality many claimants face.  Yet this is not a process you must do on your own, especially while also managing a debilitating medical condition.  Call CCK today at 800-544-9144 for a free case evaluation with a member of our team.  We may be able to assist you.

Consulting a Long-Term Disability Lawyer Is Beneficial for Your Claim

The disability rate in Clarkstown, New York is 6.1 percent.  As such, many residents of Clarkstown may be suffering from debilitating conditions such as arthritis, COPD, Crohn’s disease, anxiety, or others.  Regardless of what medical condition a person suffers from, if they cannot perform the occupational duties of their job, then they should consider filing for monthly disability benefits.  While some claimants may try and handle this process on their own, consulting with a long-term disability lawyer is distinctly beneficial.

Many LTD claims are group policies.  This means that ERISA — a strict federal law — governs most claims.  This federal law can add complexity to an already complex process.  An ERISA attorney can help claimants navigate this law and ensure that their claim is compliant.  An LTD claim that is compliant with ERISA is more likely to receive a fair review from the insurance company.

Additionally, CCK’s long-term disability lawyers can help at any stage of the process, including filing the initial claim or appealing a denial or termination of benefits.  As such, we can handle key aspects of the process for our clients, including:

  • Keeping track of all filing deadlines,
  • Reviewing and submitting all documentation,
  • Determining, collecting, and submitting all evidence,
  • Advising you on all aspects of your claim, including if you must attend an independent medical exam,
  • Reviewing your denial letter and claim file,
  • Handling your appeal,
  • And more.

In short, we will handle all aspects of your claim and/or appeal.  CCK shoulders this burden for you so that you focus on what is most important: your health.

CCK Can Collect All Evidence for Your Clarkstown, NY Long-Term Disability Claim

Medical records are most claimants’ primary source of evidence.  However, some claims require additional proof.  This supplemental evidence can reinforce your LTD claim and demonstrate how your health condition meets your insurance policy’s definition of disability.  CCK can collect and submit all evidence on your behalf, including:

  • Specialized reports from your treating physicians: Your doctor has unique insights into how your condition affects you. Thus, it is vital to maintain open communication with them while you are receiving treatment so that they may know how far-reaching and debilitating your condition is.  A report from your doctor can highlight key aspects of how your condition affects you that ordinary medical records do not.
  • Witness reports from family, friends, and co-workers: Others often see how your condition impacts your life. Obtaining official witness statements from these individuals can bolster your claim for LTD benefits.
  • Additional medical and vocational evaluations: CCK works with several outside experts who can provide your claim with objective evidence, such as functional capacity tests, neuropsychological assessments, and vocational evaluations.

We Can Alleviate the Stress of Dealing with the Insurance Company

Insurance companies should handle every claim neutrally, but this is often not what happens.  Instead, such companies try and find ways to deny claims.  This can include surveilling claimants, monitoring claimants’ social media accounts, conducting file reviews, and more.  CCK understands how frustrating this is and wants to help alleviate this stress.

CCK has gone up against all the big-name insurance companies.  Whether you have a claim through Unum; Guardian; Northwestern Mutual; or someone else, CCK has the experience to hold them accountable and fight on your behalf for your benefits.

We help alleviate the stress of dealing with the insurance company in several ways, including acting as a point of contact between you and them; submitting all documentation and evidence to them on time; holding them accountable when they wrongfully deny you your benefits; and more.  We believe you should not have to worry about dealing with the insurance company, especially when they are trying to deny or delay your LTD claim in Clarkstown, NY.

Contact Us Today for a Free Case Evaluation

If you live in Clarkstown, NY, this is not a process you must handle on your own.  Thus, a long-term disability lawyer serving Clarkstown from CCK can help you no matter where you are in the process—from the initial claim through litigation.  We want to help.

Call CCK today at 800-544-9144 for a free case evaluation.  A member of our team will analyze your case and determine if we can assist you.