Long-Term Disability Lawyer Serving North Castle, NY
Developing a medical condition that disables you from working is stressful. If you cannot work for an extended period due to an illness or injury, then you may be entitled to long-term disability (LTD) benefits. However, obtaining these benefits can be challenging. A long-term disability lawyer serving North Castle, NY from Chisholm Chisholm & Kilpatrick can help.
Such benefits can protect a percentage of your pre-disability earnings when you cannot work. Typically, this percentage is between 60 and 80 percent. However, insurance companies deny numerous claims every year. CCK understands how frustrating this is and wants to help. Call us 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
The disability rate in North Castle, NY between 2017 and 2021 was 2.2 percent. Individuals in North Castle and other areas may face the arduous task of filing for, and obtaining, long-term disability benefits. Some claimants may decide to handle their LTD claims on their own. However, the long-term disability process is complex, and even a minor mistake could result in a denial of your benefits.
Therefore, consulting with a long-term disability insurance lawyer can be beneficial for your claim. An LTD attorney understands the myriad laws governing this process and knows what insurance companies look for in successful claims. CCK can provide you with the assistance you need to receive the benefits you require.
CCK can track all filing deadlines, review your claim forms to ensure that are complete and accurate, advise you if you must attend an independent medical exam (IME), and ensure that your claim complies with ERISA if you have an employer-provided group policy. It may seem overwhelming when you begin filing for benefits, but it is not something you must handle by yourself in North Castle, NY.
CCK Can Collect and Submit Evidence to Support Your North Castle Long-Term Disability Claim
You must thoroughly read your long-term disability insurance policy. Your policy contains a definition of disability, and it is this definition that you must prove that your condition meets in order to receive benefits. To do this, you must submit evidence to your insurer.
Most claimants rely on medical records as their primary source of evidence. However, some claimants require supplemental evidence to support their LTD claim. CCK utilizes several forms of supplemental evidence that we can collect and submit on behalf of our clients. This evidence can include:
- Specialized reports from treating physicians: Your doctors have unique insights into how your condition affects you. They can write a specialized report that highlights key aspects of your condition that ordinary medical records do not. Thus, it is vital to maintain open communication with your physicians so that they may fully and accurately describe the extent of your condition.
- Witness statements from family, friends, and co-workers: Others often see how your condition impairs you, both at home and in the workplace. Obtaining official witness reports from these individuals can help corroborate other evidence you submit to the insurance company. Family and friends can attest to how your condition affects you at home, and co-workers can explain how your condition affects you at work.
- Additional medical and vocational evaluations: Insurance companies prefer objective evidence when reviewing LTD claims. CCK works with several outside experts who can provide your claim with such proof. Third-party experts can provide your claim with functional capacity tests, neuropsychological assessments, vocational evaluations, and more.
Chisholm Chisholm & Kilpatrick Can Help Alleviate the Stress of Dealing with the Insurance Company
Insurance companies should handle every long-term disability claim neutrally. However, this is not always the reality. Unfortunately, such companies often prioritize their financial needs more than anything else. Subsequently, they deny many claims each year. They routinely ask for more information from claimants and may conduct surveillance to find reasons to issue a denial.
Chisholm Chisholm & Kilpatrick believes that you should not have to deal with the stress of the insurance company when filing for LTD benefits. CCK can alleviate this stress by acting 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 well-being.
Additionally, we can handle your appeal if the insurance company denies your initial claim. CCK can closely review your denial letter, request and review your claim file, and collect any additional evidence necessary to reinforce your appeal. When necessary, our team is prepared to litigate in court too. CCK has experience going up against all the big-name insurance companies, such as Unum, The Hartford, and Humana. We know how they operate and will work to ensure that your claim receives a fair review.
Call CCK Today for a Free Case Evaluation
We understand how frustrating it can be to obtain long-term disability benefits. Luckily, this is not something must do on your own. A long-term disability lawyer serving North Castle, NY from CCK is ready to help you regardless of where you are in the LTD process.
Call CCK today at 800-544-9144 for a free case evaluation with a member of our team. We will analyze your case and determine if we can assist you.
North Castle Blog Posts
- Understanding Which Benefit Plans Are Subject To ERISA
Benefits a person receives through their employer are often called “group benefits.” In other words, you do not buy these benefits privately on your own. ERISA is a federal law that governs most employer-sponsored group benefit plans and sets the minimum standards of protection for plan participants. If you have a group plan through your […]
- Long-Term Disability (LTD) Claims for Anesthesiologists
When a medical professional, such as an anesthesiologist, develops a condition that impairs their ability to work, it can be overwhelming. When they cannot adequately perform their duties, their patients suffer. If you find yourself unable to work, you may want to consider filing for LTD benefits. This article will address some of the questions […]
- Independent Medical Exams (IME) for Long-Term Disability Claims
Filing for long-term disability benefits is often stressful for insured employees who develop a debilitating medical condition. There is a myriad of issues they may face, including the waiting period; the maximum benefit period, and others. One of the most common issues that LTD claimants face is when their insurer requests they attend an independent […]