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Long-Term Disability Lawyer Serving New York

Long-term disability (LTD) benefits protect your income when you develop a medical condition that impairs your ability to work.  Filing for such benefits, however, is a stressful endeavor.  You must continue to manage your condition while adhering to deadlines, rules, and requests for information associated with the LTD claim process.

However, this is not a process you must do alone.  It is beneficial to consult a long-term disability lawyer who can assist you.  Regardless of where you are in the process, a long-term disability lawyer serving New York from Chisholm Chisholm & Kilpatrick is ready to help you.  Call us today at 800-544-9144 for a free consultation.

Contacting an LTD Lawyer is Beneficial for Your New York Claim

The disability rate between 2016 and 2020 in New York was 7.6 percent.  This represents many of the roughly 20 million residents within New York.  Moreover, according to the CDC, it costs a person about $23,101 per year in healthcare costs when they have a disability.  Thus, the prospect of needing long-term disability benefits is real for many.

It is possible to handle LTD claims on your own.  However, consulting an experienced long-term disability lawyer is advantageous.  When you file for long-term disability benefits, you want to make sure that you make no mistakes.  Simple mistakes can sometimes result in a denial of benefits.  Moreover, filing for such benefits is stressful and, for some, overwhelming.  An LTD attorney can help guide you through the claim and appeal process.

Dealing with the insurance company is not easy.  Insurance companies continuously ask for new and updated information.  Further, these companies often surveil claimants to potentially inject doubt into a claim.  This is because insurance companies often prioritize their financial needs over the health needs of their clients.  In short, such companies do not want to pay claims if they do not have to.

Our long-term disability lawyers have over 30 years of collected experience dealing with insurance companies.  We understand how difficult it can be working with them.  We can handle all correspondence with the insurance companies.  This means we will act as a point of contact between you and your insurer so you do not have to deal with them.  We will track all deadlines and ensure that they receive all documentation and evidence on time.

CCK Can Gather Relevant Evidence to Show You Meet the Definition of Disability

Every long-term disability policy includes a definition of disability.  This definition is vital for your claim because you must prove you meet this definition to receive benefits.  You must submit evidence to the insurance company that proves your disability per this definition.  Medical records are often your primary source of evidence; however, these records should not be your only evidence.

Supplemental evidence is vital for a claim or appeal.  CCK utilizes a variety of relevant, supplemental evidence, including:

  • Specialized reports from your treating physicians: A specialized report from your physician can illustrate certain aspects of your condition that your medical records do not. By highlighting these issues in a specialized report, your doctor can show how much your condition affects you.  It is important to maintain an open dialogue with your doctor to better facilitate accurate specialized reports.
  • Witness statements from family, friends, and coworkers: Often, it is your family, friends, and coworkers who can provide valuable insights into how your condition affects you. They see you daily and can attest to how your condition affects you both at home and at work.
  • Opinions from outside experts: It is beneficial to include additional medical and vocational evaluations from objective third-party experts. CCK works with several outside experts who can provide these evaluations.  These can include functional capacity, neurophysiological, and vocational assessments.

CCK Can Alleviate the Stress of Filing for LTD Benefits in New York

When managing a debilitating medical condition, you should not have to worry about the stresses of filing for LTD benefits.  Likewise, if you receive a denial of your claim, it is your right to file an appeal.  CCK believes you should focus on managing your condition.  Whether you live in New York City, Rye, or anywhere else in New York State, CCK prepared to help.

Long-term disability policies are often hard to understand, but they contain a lot of vital information that you must know.  A long-term disability insurance attorney from Chisholm Chisholm & Kilpatrick can evaluate your policy, ascertain your specific definition of disability, and determine the best evidence to gather.

If you receive your benefits through your employer, then you likely have an ERISA-governed plan.  ERISA law has its own strict rules and regulations.  For example, you may not submit new or updated evidence during the litigation stage.

An ERISA attorney from CCK understands the complexities of this federal law.  We can track all ERISA deadlines and ensure that your insurance company receives everything on time.

Additionally, should you need to appeal a denial (or termination) of your benefits, we can help assemble your appeal.  We can review the denial letter and send a comprehensive appeal package to your insurance company.

Contact CCK Today for a Free Consultation

When you develop a debilitating medical condition that prevents you from working, you must consider filing for long-term disability benefits.  Regardless of where you are in the process, a long-term disability lawyer serving New York from Chisholm Chisholm & Kilpatrick may be able to help you.

Contact us today at 800-544-9144 for a free consultation.  A member of our team will evaluate your claim and determine if we can assist you.