Long-Term Disability (LTD) Attorney Serving East Greenwich, RI
There are many medical conditions that could negatively impact your ability to work and perform other activities in your daily life. Fortunately, if you have long-term disability (LTD) coverage through your employer, or coverage you have purchased yourself, a portion of your salary will be protected in the event you are unable to work due to a medical condition. The process for applying for a long-term disability claim can be overwhelming and time consuming. This process can be even more stressful if the insurance company wrongfully denies or terminates your claim and benefits.
Whether you are in the process of filing an initial claim, or you need to appeal a wrongful denial or termination, the long-term disability attorneys and professionals serving East Greenwich, RI from Chisholm Chisholm & Kilpatrick are here to help. We can shoulder the burden of dealing with the insurance company, so that you can focus on your health, treatment, and recovery. Call us today at 401-331-6300 for a free consultation to see if we are able to assist you.
How an Attorney Can Help with Your Long-Term Disability Claim
While it is possible to handle your long-term disability claim or appeal on your own, having an attorney assist you can help relieve a lot of the stress and pressure of dealing with the insurance company. Insurance companies should be acting in the best interest of the claimants; however, unfortunately, they often act in their own self-interest. The attorneys at Chisholm Chisholm & Kilpatrick have 33 years of collective experience handling these types of claims and understand the insurance companies’ motives and how they operate. We have negotiated LTD benefits with insurance companies for a wide range of conditions, including:
Because of our knowledge and expertise, we are able to gather the supportive evidence that the insurance company is looking for and build the strongest case possible to prove your disability. We also work to hold the insurance company accountable for their decisions and make sure that your claim is being handled fairly and in accordance with the law.
Additionally, there are usually strict deadlines outlined in your long-term disability policy. It is important to make sure you are complying with these deadlines because, if you do not, you could lose your rights to pursue your long-term disability claim and benefits. Our lawyers can help review your insurance coverage and share the knowledge you need to make an informed decision.
At Chisholm Chisholm & Kilpatrick, we have experience with ERISA-governed claims and various insurance policies. We will be able to identify and track any important deadlines associated with your claim and ensure that they are met.
Our Attorneys Will Fight to Prove That You Are Entitled to LTD Benefits
Whether you are filing an initial long-term disability claim or appealing a wrongful denial or termination of benefits, CCK can help gather and analyze the evidence in order to demonstrate that you meet your insurance company’s definition of disability. At CCK, we will analyze your long-term disability policy and other plan-governing documents and determine what evidence is necessary to prove your disability.
While your medical records are often the main source of evidence, sometimes more information and evidence are required to build a strong case. For example, reports from your treating doctors, witness statements from your family, friends, or former co-workers, and evaluations from outside experts are common types of evidence that could significantly strengthen your claim.
If you were diagnosed with a chronic illness like cancer, supporting evidence can increase your chances of getting long-term disability for cancer. CCK helps facilitate the gathering of this information.
If you need to file an initial long-term disability claim, the attorneys and professionals at CCK are ready to handle the completion of the necessary claim forms and assist in gathering all the supporting evidence in order to submit a comprehensive, complete, and persuasive package to the insurance company. Additionally, if your claim has been wrongfully denied or terminated, CCK has the knowledge and experience to analyze the insurance company’s claim file to identify any errors made during the processing of your claim, compile your medical records, expert opinions, test results, and witness statements, and write an in-depth, comprehensive appeal that demonstrates why you meet the definition of disability under your policy and are entitled to benefits. In ERISA-governed claims, it is especially important to gather all supportive evidence during this part of the process, as the appeal is usually the claimant’s last opportunity to get evidence into the record before heading to court. Further, if you are approved for long-term disability benefits and are on claim with the insurance company, CCK will stay involved and handle all communications and requests for information from the insurance company.
Call Chisholm Chisholm & Kilpatrick Today for a Free Consultation
If you are suffering from a medical condition that impacts your ability to work reliably and consistently, you should be able to focus on your health and well-being, without having the added stress of dealing with an insurance company. The attorneys and professionals at Chisholm Chisholm & Kilpatrick have the experience and expertise to help. Contact us today at 401-331-6300 for a free case evaluation to see if we can fight for you.
East Greenwich Blog Posts
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- Navigating Your Long-Term Disability (LTD) Insurance Claim Through the COVID-19 Pandemic
This is an unprecedented time in our lives and many people are facing uncertainty, whether it be professionally, financially, or medically. We have needed to adjust rapidly to changing circumstances, frequently and with little warning. While the current situation is challenging for everyone, it can be especially difficult if you are medically unable to work. […]