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Long-Term Disability Lawyer Serving Mount Pleasant, NY

Developing a medical condition or suffering an injury that renders you unable to work for an extended period is stressful.  In such situations, you may need to file for long-term disability (LTD) benefits.  A long-term disability lawyer serving Mount Pleasant, NY from Chisholm Chisholm & Kilpatrick may be able to help you with your claim and/or appeal.

If you have LTD insurance coverage, then these monthly disability benefits can help protect a percentage of your pre-disability earnings when you cannot work.  CCK can help you at any point in the process.  Call us today at 800-544-9144 for a free case evaluation.

A Long-Term Disability Lawyer Can Help You Navigate the Claim and Appeal Process

When you file for long-term disability benefits, there is a myriad of documentation and evidence you must procure and submit in support of your claim.  Additionally, you must comply with requests from your insurer, such as attending an independent medical exam (IME).  If you have an employer-provided group policy, then you must also be cognizant of ERISA — a federal law that governs such policies.

All of this can be overwhelming, especially when you are trying to manage a condition such as chronic back pain, fibromyalgia, kidney disease, and others.  Claimants who do not consult with an experienced long-term disability lawyer are more apt to make mistakes, and these mistakes could lead to a denial of your claim.

CCK has over 30 years of combined experience helping clients suffering from a wide range of debilitating medical conditions receive the benefits they deserve.  Our team can help in several ways, including tracking all filing deadlines; reviewing and submitting your claim forms; collecting and submitting all evidence, including your medical records; ensuring your claim complies with ERISA; and more.

CCK Can Collect and Submit Evidence to Reinforce Your Mount Pleasant LTD Claim

CCK can help you understand your long-term disability insurance policy, including its definition of disability.  If you live in Mount Pleasant, NY, then you must be aware of this definition as you must ensure that your condition meets it to receive benefits.

Most claimants rely on their medical records as evidence, but some claims require supplemental evidence to demonstrate that their condition meets their policy’s specific definition of disability.  Regardless, CCK can determine what evidence is necessary for your claim and collect and submit it on your behalf.  Some of the evidence we can gather for your LTD claim include:

  • Specialized reports from your treating physicians: The doctors who are treating your condition have unique insights into how it impairs you. Ordinary medical records do not always show the insurance company the full picture of your condition.  Thus, a specialized report from your treating physician can highlight key aspects of your condition that other forms of evidence do not.
  • Witness statements from family, friends, and co-workers: Others often see how your condition affects you. Therefore, acquiring witness statements from family and friends can demonstrate how your condition impairs you at home.  Likewise, co-workers can vouch for how your condition disables you in the workplace.
  • Additional medical and vocational evaluations: Some LTD claims require outside experts to provide additional medical and vocational evaluations. These evaluations provide your claim with objective evidence, which insurance companies prefer.  These evaluations can include functional capacity tests and neuropsychological assessments.

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

Insurance companies can be difficult.  It is common for them to incessantly request information from LTD claimants, and they deny a multitude of disability claims every year.  In short, such companies often prioritize their financial needs and do not want to approve long-term disability claims if they can help it.

Therefore, such companies will scrutinize every minute detail of your claim and/or appeal to find a reason to justify a denial.  Insurance companies may monitor what you post on social media, hire a private investigator to surveil you, conduct file reviews, and more.  CCK has experience going up against all the big-name insurance companies, such as:

  • Unum
  • Humana
  • The Hartford
  • Prudential

These insurance companies deny claims every year, but you have the right to appeal their decision.  CCK’s long-term disability insurance lawyers can help alleviate the stress of dealing with these companies by acting as a point of contact between you and them, submitting all documentation and evidence, handling all aspects of your appeal, and more.

Call CCK Today for a Free Case Evaluation

It is often overwhelming having to file or appeal for long-term disability benefits, but this is not something you must do on your own.  A long-term disability lawyer serving Mount Pleasant, NY from CCK can help you at any stage of the process.

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.