Long-Term Disability Lawyer Serving Pound Ridge, NY
Developing a medical condition that prevents you from working is stressful. If you live in Pound Ridge, NY, then you may be facing the difficulty of being unable to work for an extended period. Long-term disability (LTD) benefits are often necessary. A long-term disability lawyer serving Pound Ridge, NY from Chisholm Chisholm & Kilpatrick can help.
When filing for LTD benefits, you must deal with an insurance company. Unfortunately, such companies regularly deny disability claims. However, this is not something you must do alone. CCK can help you at any stage of the process. Call us today at 800-544-9144 for a free case evaluation with a member of our team.
A Long-Term Disability Lawyer Can Help with Your Claim
Some LTD claimants in Pound Ridge, NY may consider handling their claim or appeal on their own. However, it is easy to make simple mistakes without the aid of an attorney, and a mistake—such as missing a filing deadline—can result in a denial of your claim. Therefore, contacting a long-term disability lawyer can be beneficial.
Acquiring long-term disability benefits can be challenging. There is a myriad of paperwork and evidence that you must navigate. Moreover, you must read your policy, which is often hard to understand.
An experienced long-term disability insurance attorney can help you understand your policy’s coverage. Such policies contain a lot of crucial information, such as the maximum benefits period, limitations and exclusions, offsets, and more.
CCK’s long-term disability attorneys have over 30 years of combined experience helping clients get the benefits to which they are entitled. We can track all filing deadlines; review and submit all documentation, such as the claim forms; determine, collect, and submit all evidence; and more. In short, our team can handle all aspects of your claim so that you may focus on what is most important: your health.
Chisholm Chisholm & Kilpatrick Can Collect Supplemental Evidence for Your Pound Ridge LTD Claim
Every long-term disability policy contains a definition of disability. You must prove that your condition meets this definition for the insurance company to approve your claim. Medical records are most claimants’ primary source of evidence. However, some claims require supplemental evidence, which CCK can collect and submit on behalf of the claimant. Such evidence can include:
- Specialized reports from treating physicians: Medical records do not always tell the full story concerning your condition. Your treating physician has unique insights into how exactly your condition impairs you. A specialized report can highlight key aspects that ordinary medical records do not.
- Witness statements from family, friends, and co-workers: Others often see how your condition affects you, so obtaining official witness statements can bolster your claim. For example, family and friends can attest to how your condition impairs you at home, whereas 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 third-party experts who can provide your claim with such proof. These experts can conduct vocational evaluations, neuropsychological assessments, functional capacity tests, and more.
The disability rate in Westchester County, New York is 5.9 percent. If you live in Pound Ridge, NY, located within Westchester County, and have a disabling condition that prevents you from working, then you may have to deal with the insurance company and submit such evidence.
CCK Can Help Alleviate the Stress of Dealing with the Insurance Company
Insurance companies deny a multitude of long-term disability claims every year. Such companies should handle every LTD claim neutrally, but this is not always the reality many claimants face when filing for benefits. Insurers regularly prioritize their financial needs, which leads to these denials. However, if you do receive a denial, you have the right to appeal.
CCK can help alleviate the stress that comes with dealing with the insurance company. Apart from denying claims, these companies also tend to incessantly request more information or delay issuing a decision on a claim. Our team can act as a point of contact between you and your insurer, and we will ensure that your claim receives the fair review it deserves.
Moreover, our team can submit all documentation and evidence to the insurance company on your behalf. If your insurer requests that you attend an independent medical exam (IME), we can advise you on how to best handle the situation. Additionally, if you have an ERISA-governed policy through your employer, we will ensure that it is compliant.
If your claim receives a denial from the insurance company, we can help with your appeal. CCK can review your insurer’s denial letter, request and review your claim file, collect any necessary evidence to reinforce your appeal, and submit your appeal on your behalf.
Call Chisholm Chisholm & Kilpatrick Today for a Free Case Evaluation
Getting long-term disability benefits is a tiring process, but it is not one you must do alone. CCK’s experienced LTD team is ready to assist you at any stage of the process. Whether you are filing an initial claim, appealing a denial or termination of your benefits, or litigating in court—we may be able to help.
Call Chisholm Chisholm & Kilpatrick 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.
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