Long-Term Disability Lawyer Serving Cortlandt, NY
If a person develops a medical condition that prevents them from working, then they must consider filing for long-term disability (LTD) benefits. These benefits can help protect a percentage of their pre-disability earnings. If you live in Cortlandt, NY, then you may find it difficult to obtain these benefits from your insurer. However, this is not a process you must do alone.
CCK has over 30 years of combined experience handling LTD claims and dealing with insurance companies. We can help you at any point in the long-term disability claims and appeals process. Call us today at 800-544-9144 for a free case evaluation with a member of our team serving Cortlandt, NY.
Consulting with a Long-Term Disability Lawyer Is Beneficial for Your Claim
Filing for long-term disability benefits while also managing your disabling condition can quickly become overwhelming. There are many types of documentation and evidence that you must procure and submit to prove that you require such benefits. Understanding the coverage your LTD policy affords you and knowing what evidence to collect and submit can be complex and difficult. Luckily, a long-term disability lawyer serving Cortlandt, NY from CCK can help you.
Our team knows what insurance companies look for in a successful claim. We can analyze your long-term disability insurance policy and determine the best evidence to support your claim. CCK can collect and submit this evidence on your behalf. Additionally, we can review and submit your documentation, which includes the claim forms. These claim forms must be filled out by you, your doctors, and your employer—and we will ensure that they are completed and submitted on time. Moreover, our team can track all filing deadlines and ensure that your claim is compliant with ERISA.
If you are filing an appeal due to a denial of your initial claim or the termination of your benefits, CCK can also assist. We have extensive experience handling appeals. We can handle every facet of your appeal and submit it on your behalf. In short, we can help at any stage of the process and fight for your right to disability benefits.
CCK Can Collect and Submit Evidence on Your Behalf to Support Your Cortlandt LTD Claim
Every long-term disability insurance policy contains a definition of disability. You must prove to your insurer that your medical condition meets this definition. Most claimants rely on their medical records as evidence, but some individuals require supplemental evidence to prove their claim. CCK utilizes several forms of evidence that we can collect and submit on your behalf, including:
- Specialized reports from treating physicians: Your doctors have unique insights into how your condition affects you. Thus, it is crucial to maintain open communication with them while receiving treatment so that they may fully understand how your condition impairs you. A specialized report can bolster your claim by highlighting key aspects of your condition that your medical records do not.
- Witness statements from family, friends, and co-workers: Others often see how your condition impairs you. For example, family and friends can attest to how your condition disables you in your daily life, and co-workers can vouch for how you are unable to perform the duties of your job in the workplace.
- Additional medical and vocational evaluations: Some claimants may require additional medical and vocational evaluations from outside experts. CCK works with several third-party experts who can provide your claim with strong, objective evidence. This evidence can include functional capacity tests, neuropsychological assessments, and vocational evaluations.
CCK Can Help Alleviate the Stress of Dealing with the Insurance Company
Insurance companies should handle every claim neutrally. However, this is not always the reality that LTD claimants face. Unfortunately, such companies do not want to approve claims. In other words, if they can find a reason to deny your claim, then they will. They may conduct surveillance on you; conduct file reviews; request that you attend independent medical exams; request more information from you, thereby delaying the entire process; monitor your social media platforms; and more. This can become stressful and further complicate an already complicated process.
Chisholm Chisholm & Kilpatrick knows how frustrating dealing with the insurance company is and wants to help. Whether you have a claim from Unum, The Hartford, Prudential, or someone else, CCK has the experience necessary to hold them accountable and ensure that your claim receives a fair review.
We help our clients handle the insurance company in numerous ways. For example, we can act as a point of contact between you and them. In other words, all correspondence must pass through us first. Moreover, we can review your denial letter; track all deadlines; request and review your claim file from the insurance company; submit everything on your behalf; litigate on your behalf in court; and more.
Call Today for a Free Case Evaluation
A long-term disability lawyer serving Cortlandt, NY—where the disability rate is 5.7 percent—from CCK is ready to help you. Call us 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.
Cortlandt Blog Posts
- 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 […]
- How Much Does Long-Term Disability (LTD) Pay?
Long-term disability (LTD) benefits protect a person’s income when they develop a debilitating condition that prevents them from working. As such, it is normal to wonder how much you will receive once your benefits begin. How much do long-term disability benefits pay? The answer is more complicated than just a simple, straightforward dollar amount or […]
- Long-Term Disability (LTD) Claims for Lawyers
Lawyers can develop medical conditions that prevent them from working. Unfortunately, suffering from a debilitating, long-term condition is common. Nevertheless, as a lawyer, you have the option to file for long-term disability (LTD) benefits. These benefits can help protect your income when you are unable to work due to your condition. Read on to discover […]