Long-Term Disability Lawyer Serving Barrington, RI
When you have a medical condition that impairs your efficiency at work, it can be overwhelming. Filing a long-term disability (LTD) claim by yourself is challenging, especially if your insurance company denies your claim. Regardless of where you are in the process, you do not have to handle it alone.
Long-term disability attorneys serving Barrington, RI from Chisholm Chisholm & Kilpatrick are here to help you handle your claim. We will put together the strongest case possible so that you may receive your benefits.
Call 800-544-9144 today for a free consultation with a member of our team.
How an Attorney Serving Barrington Can Help with Your Long-Term Disability Claim
While it is possible to handle a long-term disability claim on your own, it is beneficial to have an attorney assist you. The attorneys serving Barrington, RI from CCK have experience and knowledge that will strengthen your case and help get your claim approved.
We understand the difficulties surrounding insurance companies. They often prioritize their own business needs over your health needs. Therefore, we will review your policy to determine the best evidence to satisfy the requirements set forth by your insurance company.
Our LTD lawyers are well-versed in ERISA law, which governs group long-term disability policies. Having an ERISA attorney assist you is beneficial because these laws are often difficult to navigate.
For example, under ERISA, you must have all your evidence on the record during the appeal stage. You cannot submit further evidence after this stage, which complicates matters should your case go to court. Additionally, there are strict deadlines. If you miss even just one of them, it could lead to a denied claim. A long-term disability attorney will gather all necessary evidence and submit it on time.
What Evidence Do You Need to Submit for Your LTD Claim?
Medical records are the primary evidence you must submit for your LTD claim. However, your medical records are rarely sufficient on their own. Instead, you must submit supplemental evidence to prove you have a disability according to your insurance company’s definition. Our lawyers can help you determine what supplemental evidence you need, and we will help you gather this evidence. This evidence may include:
Treating physician reports
Obtaining a personalized report from your treating physician is a vital part of your supplemental evidence. If you seek benefits for asthma, for example, a personalized report illustrates how your condition affects you daily and how it impacts you at work. Regular medical reports do not offer the same insights. While some doctors may be reluctant to provide such a report, our lawyers can communicate with them and explain how it is vital for your claim.
Statements from family members, friends, and coworkers
Witness statements provide further insight into your disability. Oftentimes, your family, friends, and coworkers see firsthand how your condition affects you. For example, if you wish to claim benefits for kidney disease, family members and friends can attest to the impact your condition has on your personal life, and your coworkers can attest to the impact your condition has on your job. These official witness statements can strengthen your case.
Outside opinions from experts
Our team at CCK works with many outside experts that can evaluate your condition. These third-party experts provide invaluable objective evidence for your claim. They can perform functional capacity, neuropsychological, and vocational evaluations. Suppose you are seeking benefits for COPD. Our lawyers might request a neuropsychological examination. The test will offer a detailed evaluation of your cognitive abilities, highlighting the impact of your condition on your ability to perform daily chores and work tasks.
Let Us Ease the Stress of Filing a Long-Term Disability Claim
CCK understands the difficulties that come with filing an LTD claim, and we want to help make it easier for you. The legal team serving Barrington, RI want to make this process as simple and stress free as possible. We serve as your point of contact between you and your insurance company, so you do not have to deal with them. We will also communicate with your doctors.
By handling all this important communication, we ensure that you do not miss any deadlines. This gives you time to manage your health. When the court approves your claim and you begin to receive your monthly benefits, our job is not over. We will continue to help take care of any further requests from your insurance company.
Often, insurance companies continue to ask for updated documentation. If you do not provide updated documentation as required, you could lose your benefits. We ensure that your insurance company receives this documentation when required.
Applying for long-term disability benefits is sometimes challenging, exhausting, and frustrating. We want take care of it for you so you may avoid the added stress.
Contact CCK Today for a Free Consultation Regarding Your Claim
If you have a medical condition that is keeping you from working, the CCK lawyers serving Barrington, RI can help. It does not matter where in the process you are – we can assist you. Whether you are filing an initial claim or appealing a denial of benefits, we have the knowledge necessary to fight for your rights.
Contact us today for a free consultation with a member of our legal team regarding your LTD claim at 800-544-9144.
Barrington Blog Posts
- Long-Term Disability (LTD) Insurance Company Deadlines: ERISA
Employer-provided long-term disability (LTD) policies are governed by the Employee Retirement Security Act of 1974 (ERISA), which includes requirements for deadlines. Insurance companies must follow the ERISA regulations when issuing decisions on your long-term disability claim or appeal. Initial Claim Decision Deadlines In order to receive long-term disability (LTD) benefits, you will need to file […]
- Why Long-Term Disability Benefits May Be Terminated After Initial Approval
If you have a disabling health condition that keeps you out of work, you may be receiving long-term disability (LTD) benefits. While it is a relief to be approved after the process of filing a claim, it is important to keep in mind that an insurance company can still find a reason to terminate your […]
- Litigation and Long-Term Disability Insurance
Filing a long-term disability (LTD) claim is complex and overwhelming for many claimants. While all claimants hope their insurance company approves their initial claim, this is not always the case. When the insurance company denies an initial claim, the claimant has the right to appeal; but what happens when the appeal is denied, too? The […]