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Long-Term Disability Lawyer Serving Greenburgh, NY

When a person develops a medical condition that prevents them from working for an extended period, they must consider filing for long-term disability (LTD) benefits.  These benefits can protect a percentage of their pre-disability earnings.  If you live in Greenburgh, NY, this is not a process you must do alone.

Obtaining these essential benefits can be challenging since insurance companies deny many claims every year.  A long-term disability lawyer serving Greenburgh, NY from CCK can help you fight for your benefits.  We have over 30 years of combined experience and know what such companies look for in a successful claim.  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

Filing a claim for long-term disability benefits can be difficult.  There is a myriad of paperwork and evidence you must collect and submit to your insurer.  Trying to handle these aspects on your own, while also trying to manage your condition, can be overwhelming.  Claimants who handle their LTD claims on their own are more apt to make mistakes that could cost them their benefits.

However, the long-term disability claims and appeals process is not one you must handle on your own.  This process is often complex.  Moreover, if you have a group insurance policy, then ERISA may govern your LTD claim.  This strict federal law can complicate matters further.  An experienced long-term disability insurance attorney from CCK can help.

We help our clients in several ways.  For example, we can help you file your initial claim by tracking all filing deadlines.  Missing a deadline could cost you your benefits.  Moreover, we can review and submit all documentation, including the claim forms; collect and submit all evidence on your behalf; and, if necessary, help you with filing an appeal if the insurance company denies your claim.

CCK Can Collect and Submit All Evidence for Your Greenburgh Long-Term Disability Claim

Every long-term disability insurance policy contains a definition of disability.  All claimants must prove to their insurer that their condition disables them per this definition.  You must submit evidence to prove this.  Most claimants’ primary source of evidence is their medical records.  Yet some claims require supplemental evidence too.  CCK utilizes various forms of evidence, such as:

  • Specialized reports from treating physicians: Your doctors have unique insights into how your condition affects you. Thus, maintaining an open dialogue with your treating physicians is important.  A specialized report from your doctors can help demonstrate why you need benefits.  These reports can highlight key disabling aspects of your condition that medical records do not.
  • Witness statements from family, friends, and co-workers: Others often see how your condition affects you, both at home and in the workplace. Family and friends can attest to how your condition impairs you in your personal life, and co-workers can explain how your condition prevents you from performing your job duties.
  • Additional medical and vocational evaluations: Insurance companies prefer objective evidence. However, some claims may not have such evidence, so obtaining additional evaluations from outside experts can bolster a claim.  CCK works with several third-party experts who can provide your claim with evidence, such as functional capacity tests, neuropsychological assessments, and vocational evaluations.

We Can Help Alleviate the Stress of Dealing with the Insurance Company

The disability rate in Greenburgh, NY is 3.7 percent.  Whether in Greenburgh or in other parts of New York, many individuals face the reality of filing a disability claim with an insurance company.  Claimants expect their LTD benefits to be there when they need them.  Unfortunately, insurance companies prefer not to approve claims.  Many insurers prioritize their financial needs, which leads to denials.  Such companies will scrutinize every LTD claim they receive and try and find a reason to issue a denial.

Insurance companies, such as Unum and Liberty Mutual, have several tactics they use to delay and deny claims.  Such tactics include in-person surveillance, independent medical exams, file reviews, social media monitoring, and repeated requests for information.  All this can become overwhelming, but CCK can help.

Our team understands how frustrating it is to deal with such tactics and can help alleviate this stress.  CCK can act as a point of contact between you and your insurer.  In other words, all communication must first pass through us.  This frees up your time to focus on what matters most: your health.  Additionally, we can submit everything on your behalf and ensure that your claim complies with ERISA.  We hold insurance companies accountable and will fight for your right to your benefits.  If necessary, we may be able to represent you during litigation should you need to file a lawsuit to win your benefits.

Call Today for a Free Case Evaluation

Filing for long-term disability benefits can be difficult, but it is not a process you must do on your own.  A long-term disability lawyer serving Greenburgh, NY from CCK may be able to help you.

Call CCK today for a free case evaluation with a member of our team.  We will analyze your case and determine if we are able to assist you.