Long-Term Disability Lawyer Serving Lewisboro, NY
It can be stressful when you develop a disabling medical condition that renders you unable to work for an extended period. In such situations, you must consider filing for long-term disability (LTD) benefits. Obtaining such benefits can be difficult, but a long-term disability lawyer serving Lewisboro, NY from Chisholm Chisholm & Kilpatrick may be able to help.
The disability rate in Lewisboro, NY is 3.3 percent. If you, too, have a disabling condition that prevents you from working, you may have to file for LTD benefits. Some claimants may decide to handle their claims on their own, but this could lead to mistakes that can result in a denial of benefits. Call CCK today at 800-544-9144 for a free case evaluation and see if we may be able to help you.
Contacting a Long-Term Disability Lawyer is Beneficial for Your Claim
Filing for long-term disability benefits in Lewisboro, NY can be an overwhelming process, especially since you must submit a lot of documentation and evidence that proves you cannot work. CCK has over 30 years of experience helping LTD claimants obtain the benefits they deserve. Whether you have an ERISA-governed group policy or a privately bought individual policy, we may be able to help.
Many conditions can render you unable to work, including ulcerative colitis, ankylosing spondylitis, dementia, and others. CCK works to ensure you get the benefits you need to help manage your disabling condition.
Our attorneys can help you with your long-term disability claim in several ways, including tracking all filing deadlines; reviewing and submitting all documentation, including the claim forms; helping you understand your LTD policy; collecting and submitting all evidence; and more.
CCK Can Collect and Submit Supplemental Evidence for Your Lewisboro Long-Term Disability Claim
Every long-term disability policy contains a definition of disability. Claimants must prove, through evidence, that their condition disables them per their policy’s specific definition: either an “own” or “any occupation” definition. As such, many claimants rely on their medical records as their primary source of evidence.
However, some claims — especially claims for conditions without diagnostic tests — require additional evidence. This supplemental evidence can reinforce your claim or appeal. CCK utilizes several forms of evidence, and we can collect and submit this evidence on your behalf, including:
- Specialized reports from your treating physician: Medical records do not always tell the full story of how your condition debilitates you. Your treating physician has unique insights into how your illness impairs you. A specialized report can highlight key aspects of your condition and show why you require LTD benefits.
- Witness reports from family, friends, and co-workers: Those around you can see how your condition debilitates you. Obtaining official witness reports from these individuals can bolster your LTD claim for benefits. For example, family and friends can vouch for how your illness affects you at home, and co-workers can attest to how your condition prohibits you from working.
- Additional medical and vocational evaluations: Some claims require additional evidence to demonstrate the need for long-term disability benefits. CCK works with several third-party experts who can provide your claim with objective evidence, such as functional capacity tests and neuropsychological evaluations.
Chisholm Chisholm & Kilpatrick Can Alleviate the Stress that Comes with Dealing with the Insurance Company
Insurance companies deny many long-term disability claims every year. For decades, CCK has gone up against these big-name insurers to fight for our clients’ rights to their benefits. Insurance companies that deny LTD claims include:
- Unum
- Liberty Mutual
- Sun Life
- MassMutual
- CIGNA
When you receive a denial of your long-term disability claim, it may be disheartening. After all, a lot of time and effort goes into filing your initial claim so that you may receive the benefits you need. However, you have the right to appeal your insurer’s decision.
Chisholm Chisholm & Kilpatrick can help alleviate the stress of dealing with your insurer, both during your appeal and during your initial filing. CCK can act as a point of contact so that all correspondence must pass through us first.
Additionally, during your appeal, our team can review your insurer’s denial letter and use it to help formulate your counterargument. Moreover, we can request your claim file from the insurance company and thoroughly analyze it. We will ensure that the insurance company receives your appeal within the allotted time — typically 180 days under ERISA.
Call CCK Today for a Free Case Evaluation
CCK understands how frustrating the LTD process is, especially when you must deal with the insurance company. Unfortunately, such companies do not handle every claim neutrally, but CCK can hold them accountable. A long-term disability lawyer serving Lewisboro, NY from CCK can help you navigate this often-complex process.
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.
Lewisboro Blog Posts
-
Getting Long-Term Disability (LTD) Benefits for Thoracic Outlet SyndromeGetting your long-term disability (LTD) benefits for thoracic outlet syndrome (TOS) can be difficult, time-consuming, and stressful. You should be able to easily file your claim and start receiving the disability benefits to which you are rightfully entitled. Unfortunately, wrongful denials by insurance companies are far too common and the process of appealing such a […]
-
Long-Term Disability (LTD) Benefits for Degenerative Disc Disease (DDD)Degenerative disc disease (DDD) is a back condition that results when the discs in your spine wear down. This happens naturally due to age. When the discs wear down, the bones begin to rub together, which can cause pain. Moreover, it can cause other conditions too, such as spinal stenosis. If you have DDD, and […]
-
What Is ERISA Litigation?The process to obtain long-term disability (LTD) benefits is comprised of three primary stages: the initial claim; the administrative appeal; and litigation. When an insurance company or other claim administrator denies an appeal, the claimant may file a lawsuit as a next step. In short, ERISA litigation is the process whereby a claimant files a […]