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Long-Term Disability Lawyer Serving Yorktown, NY

When you develop a medical condition that renders you unable to work, it can become overwhelming.  There are daily expenses and medical bills that you still must pay, and the prospect of not having a monthly income can be stressful.  In these situations, filing for long-term disability (LTD) benefits may be necessary.  If you live in Yorktown, NY, then an experienced attorney from CCK can assist you.

Our team understands how difficult it is to obtain LTD benefits from the insurance company.  A long-term disability lawyer serving Yorktown, NY from CCK can help you at any stage of the claim and appeal process.  Call us today at 800-544-9144 for a free case evaluation.

Contacting a Long-Term Disability Lawyer is Beneficial for Your Claim

Between 2017 and 2021, the disability rate in Yorktown, NY was 5.5 percent.  If you developed a disabling condition and live in Yorktown, NY, you may find it necessary to file for long-term disability benefits.  These benefits can protect a percentage of your pre-disability income when you cannot work for an extended period.  Some claimants may want to handle their LTD claim on their own.  However, the process is complex, especially under ERISA; a mistake could result in a denial.

Luckily, filing for long-term disability benefits is not something you have to do on your own.  Contacting an LTD lawyer is beneficial for your claim.  CCK’s team of disability attorneys can help you at any stage of the process.  We have over 30 years of combined experience fighting for our clients’ benefits.

Our team can help you understand your LTD policy.  These documents are often dense, yet they contain a lot of crucial information vital for the success of your claim, including the maximum benefits period; the waiting period; filing deadlines; and more.  Moreover, our team can track these deadlines, collect and submit all evidence on your behalf, and more.

CCK Can Collect and Submit Evidence on Your Behalf

Among the most important components of your LTD policy is its definition of disability.  Every long-term disability insurance policy contains a definition that you must prove your condition meets to receive monthly benefits.  Our team can ascertain your policy’s specific definition — either an “own occupation” or “any occupation” definition — and collect and submit evidence to prove your condition meets it.

Medical records are most claimants’ primary source of evidence.  However, some claims require supplemental evidence, which CCK can also collect and submit on your behalf.  Supplemental evidence can include:

  • Specialized reports from your treating physician: Your doctor has unique insights into how your condition specifically impairs you. A specialized report can highlight these key aspects, which ordinary medical records often do not explain.  Thus, maintaining an open dialogue with your doctor is crucial so that they may understand how your condition affects you.
  • Witness reports from family, friends, and co-workers: Others often see how your condition impacts your life. Obtaining official witness statements from family and friends can show how far-reaching your condition is, and co-workers can corroborate your inability to work in your occupation.
  • Additional medical and vocational evaluations: Insurance companies prefer objective evidence, and some claimants may require outside experts to evaluate them. CCK works with several third-party doctors and vocational experts who can provide your claim with additional objective evidence to help demonstrate your need for benefits.

CCK Can Alleviate the Stress of Dealing with the Insurance Company

Insurance companies deny long-term disability claims every year.  These companies can prioritize their financial needs, which often leads to numerous denials.  Thus, it is stressful dealing with these insurance companies as they can incessantly request more information, request you attend independent medical exams (IMEs), conduct surveillance on you, and more.  CCK can help.

Our team can help alleviate the stress that comes with dealing with insurance companies such as Unum, The Hartford, Guardian, and others.  First, we can act as a point of contact between you and your insurer.  In other words, all correspondence must first pass through us, which will free up your time to focus on your health.

Moreover, if you are filing an appeal, we can review your insurer’s denial letter, request your claim file from your insurer, and submit all appeal items to your insurer by the filing deadline.  CCK can thoroughly analyze every aspect of your claim and/or appeal to ensure that it receives a fair review.

Additionally, if you file an appeal (or appeals), and the insurance company still denies you your benefits, CCK has the knowledge and experience to represent you during litigation.  Litigation is often a lengthy and complex process and having an attorney is important.

Call Chisholm Chisholm & Kilpatrick Today for a Free Case Evaluation

CCK understands how difficult it is to get long-term disability benefits in Yorktown, NY, and wants to help.  We believe that you should not have to worry about filing or appealing for such benefits but instead should be focusing on managing your condition.

Call Chisholm Chisholm & Kilpatrick 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.