Long-Term Disability Lawyer Serving North Salem, NY
Developing a medical condition that renders you unable to work can be stressful. You may begin worrying about how you will pay your bills when you cannot work for an extended period. If you live in North Salem, NY and suffer from such a condition, then you may need to file for long-term disability (LTD) benefits.
Long-term disability benefits can protect a percentage of your pre-disability earnings. This percentage is usually between 60 and 80 percent. However, insurance companies deny many LTD claims each year. CCK understands how frustrating this can be and wants to help. Call us today at 800-544-9144 for a free case evaluation with a member of our team.
Contacting a Long-Term Disability Lawyer to Help with Your Claim is Beneficial
The disability rate in North Salem, NY between 2017 and 2021 was 2.2 percent. Individuals who develop disabling medical conditions and live in North Salem may find it necessary to file a claim for long-term disability benefits. Some claimants may decide to handle their LTD claim on their own. However, this is not always advisable because the long-term disability process can be complicated and even a minor mistake could be detrimental.
Contacting a long-term disability lawyer can help your claim succeed. An LTD attorney from Chisholm Chisholm & Kilpatrick is ready to help. Whether you are filing an initial claim, appealing a denial, or appealing a termination of your benefits, CCK has the experience necessary to assist you. We can determine, collect, and submit all evidence on your behalf to meet your policy’s definition of disability.
Moreover, if you have an employer-sponsored group policy, then you must be aware of ERISA. This is a strict federal law that governs most group policies. It has its own deadlines and regulations to which your claim must adhere. Our ERISA attorneys will ensure that your claim complies with this law, which will help ensure a fair review of your claim.
CCK Can Collect and Submit Supplemental Evidence to Reinforce Your LTD Claim
As mentioned, every long-term disability insurance policy contains a definition of disability. You must submit evidence to your insurer to prove that your medical condition or injury meets this definition. Medical records are most claimants’ primary source of evidence. However, some claims require supplemental evidence. CCK utilizes several forms of evidence, such as:
- Specialized reports from your treating physician: Your doctor has unique insights into how your condition affects you. Medical records often do not tell the whole story, and your doctor can highlight key aspects of your condition that these records overlook. Thus, it is important to maintain open communication with your doctor so that they know exactly how your condition impairs you.
- Witness statements from your family, friends, and co-workers: Others often see how your condition affects you daily. Therefore, obtaining official witness statements from such individuals can bolster your claim. For example, family and friends can vouch for how your condition impacts you at home, and co-workers can vouch for how your condition prevents you from working.
- Additional medical and vocational evaluations: Insurance companies prefer objective evidence. CCK works with several outside experts who can provide your claim with objective evidence, such as X-rays; neuropsychological evaluations; functional capacity tests; vocational evaluations; and more.
CCK can collect the abovementioned forms of evidence for your claim and submit them on your behalf to the insurance company.
Chisholm Chisholm & Kilpatrick Can Alleviate the Stress of Dealing with the Insurance Company
Insurance companies deny long-term disability claims every year. If you are in North Salem, NY and must file for LTD benefits, CCK can help alleviate the stress of dealing with your insurer. Our disability attorneys have over 30 years of combined experience dealing with insurance companies, such as Unum, Liberty Mutual, Sun Life, Humana, and others. We know how they operate and can help.
First, we can act as a point of contact between you and the insurance company. Often, these companies incessantly ask for more information. We will handle these requests and relay important, necessary information to you ourselves. This helps free up your time so that you may focus on your well-being.
Moreover, if you receive a denial from your insurer and must file an appeal, our team can help. We can review your insurer’s denial letter and directly address any issues they had with your initial claim. Additionally, we can request and review your claim file from the insurance company and use it to put together a strong, comprehensive appeal package that we will submit on your behalf.
Call CCK Today for a Free Case Evaluation
It can be frustrating trying to get long-term disability benefits. CCK understands this. Insurance companies should handle every case neutrally, but this is not always the reality. Moreover, ERISA often benefits such companies rather than claimants. Luckily, this is not something you must do on your own.
A long-term disability lawyer serving North Salem, NY from CCK is ready to assist you regardless of where you are in the process. Call CCK today at 800-544-9144 for a free case evaluation. We will analyze your case and determine if we can help.
North Salem Blog Posts
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Long-Term Disability (LTD) benefits can protect a person’s income when they are unable to work due to a debilitating medical condition. Often, an employer’s benefits package includes LTD coverage. Such policies are known as “group policies,” which are governed by the federal law known as ERISA. These benefits are necessary for many people, but what […]
- Own Occupation vs. Any Occupation Long-Term Disability Insurance Policies
Your long-term disability (LTD) insurance policy will specify what definition of disability you need to meet in order to receive benefits. Many definitions of disability contain language specifying what occupation(s) you must be disabled from in order to meet the definition of disability. LTD policies commonly refer to these definitions as own occupation and any […]
- The Value of Vocational Evidence in Long-Term Disability Claims
When filing for long-term disability (LTD) benefits, the burden of proof is upon the claimant. Thus, it is the responsibility of the LTD claimant to submit evidence that proves that their condition meets the definition of disability within their policy. Many claimants focus on the medical evidence they must supply, but the value of vocational […]