Long-Term Disability Lawyer Serving Smithtown, NY
If you live in Smithtown, NY and you develop a medical condition that prevents you from working for an extended period, you must consider filing for long-term disability benefits. These benefits can protect a percentage of your pre-disability earnings — typically 60 to 80 percent. However, obtaining these essential benefits can be difficult as insurance companies often deny claims. Luckily, it is not a process you must handle on your own.
A long-term disability lawyer serving Smithtown, NY from CCK can help you at any stage of the LTD claims and appeals process. Our team has over 30 years of combined experience dealing with such claims and can help you fight for the benefits you need. Call CCK 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
Filing for LTD benefits can be challenging. You must procure and submit a myriad of documentation and evidence to the insurance company. While some individuals may decide to handle this process on their own, it is often best to contact an experienced long-term disability attorney who can help. CCK is well-versed in disability law and can help you at any stage of the process.
For example, CCK can review and submit all necessary documentation to prove your claim. This documentation can include the claim forms and your medical records. Additionally, we can determine, collect, and submit all evidence that reinforces your claim per your policy’s definition of disability. Further, if you have a group policy governed by ERISA, we can help. We will ensure that your claim is compliant with this strict federal law.
Moreover, our team will track all filing deadlines for your claim and/or appeal. Filing deadlines are important. If you miss a filing deadline, then the insurance company may deny your claim. If you do receive a denial of your claim, CCK is prepared to handle your appeal too. We dedicate ample time to each of our clients and often can obtain benefits during the administrative appeal. Then, if litigation is necessary, CCK has the experience to help represent you.
CCK Can Collect and Submit All Evidence for your Smithtown Long-Term Disability Claim
Many claimants rely on their medical records as their primary source of evidence. However, some claimants will require supplemental evidence to bolster their claim for benefits. Evidence should demonstrate to the insurance company how your condition disables you under the definition of disability present in your policy. CCK can read your policy to determine the best evidence to collect. Some examples of evidence we can collect for clients include:
- Specialized reports from treating physicians: Your doctors often have unique insights into how your condition impacts your life. Obtaining a specialized report from them can highlight key aspects of your condition that medical records do not. Thus, it is vital to maintain an open dialogue with your physicians as you receive treatment so that they may fully understand the extent of your disability.
- Witness statements from family, friends, and co-workers: Others often see how your condition affects you. These individuals can reinforce how far-reaching your condition is and why you need benefits. For example, family and friends can vouch for how your condition impairs you at home, and co-workers can attest to how you are unable to perform your job in the workplace.
- Additional medical and vocational evaluations: Some claims require additional medical or vocational evidence. CCK works with several third-party experts who can provide your claim with this objective evidence. Such evidence includes functional capacity tests, neuropsychological assessments, and vocational evaluations.
Chisholm Chisholm & Kilpatrick Can Help Alleviate the Stress of Dealing with the Insurance Company
The disability rate in Smithtown, NY was 4.6 percent. As such, individuals in Smithtown may require LTD benefits. Consequently, they must file this claim with an insurance company, such as Unum or The Hartford. Yet these insurance companies do not make the process easier as they often choose to deny claims. Moreover, if a person has an ERISA-governed claim, then obtaining these monthly benefits becomes even more complex. This is all incredibly stressful, but Chisholm Chisholm & Kilpatrick can help.
Insurance companies often incessantly ask for more information. They do this to delay the process and, hopefully, it allows them to deny the claim. However, CCK believes that you should not have to worry about this correspondence. Therefore, we can act as a point of contact between you and your insurer. In other words, all communication must pass through us first. This frees up your time to focus on what matters most: your health.
Additionally, our team can collect and submit all evidence on your behalf. If the insurance company denies your claim, CCK can review your denial letter and help with your appeal. CCK can also request and review your claim file and collect additional evidence as necessary for your appeal.
Call Us Today for a Free Case Evaluation
Obtaining long-term disability benefits is difficult, but it is not something you must handle on your own. A long-term disability lawyer serving Smithtown, New York is ready to help you no matter 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.
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