Long-Term Disability Lawyer Serving Jamestown, RI
It can be overwhelming to file a long-term disability (LTD) claim if you’ve developed a medical condition that impairs your ability to work. Filing for benefits can be even more challenging if your insurance company denies your claim and you have to file an appeal. Fortunately, no matter where you are in the LTD process, your long-term disability claim is not something you need to handle on your own.
Long-term disability attorneys serving Jamestown, RI from Chisholm Chisholm & Kilpatrick LTD are available to help you put together the strongest possible case for your disability claim. You can call us today for a free consultation with a member of our team at 800-544-9144.
How Can an Attorney Help Me with My Long-Term Disability Claim?
While claimants can complete their long-term disability claims on their own, it can be beneficial to have an attorney involved. The attorneys serving Jamestown, RI from CCK have experience and knowledge to help you get your claim approved. We understand how insurance companies operate, and how they may not always act in your interest but in the interests of their own business. We can help you evaluate your policy to determine the best evidence that will satisfy your insurance company and get you the benefits to which you are entitled. Our lawyers helped many clients claim benefits for debilitating conditions like:
- Autoimmune disorders
- Post-traumatic stress disorder
Our lawyers are experienced in ERISA law, which governs group long-term disability policies. ERISA is a complex law that can lead to strict requirements and regulations surrounding your claim, which can be difficult to navigate on your own. Under ERISA, you will need to have all your evidence on the record in the appeal stage, as you will not be allowed to submit anything further should your case be taken to court. A missed deadline can also mean a denial of benefits, or loss of rights to benefits altogether. Missing deadlines is one of the most common claim mistakes. A long-term disability attorney will make sure that your claim complies with ERISA regulations.
What Kind of Evidence Do I Need for My Claim?
Long-term disability claims often begin with medical records as the leading source of evidence. However, medical records are often not enough to satisfy a long-term disability policy, and additional forms of evidence may be needed. Our lawyers can help you determine what types of evidence you should gather for your claim. Such supplementary evidence includes:
- Treating physician reports: A report from your physician can outline the symptoms of your condition in more detail than your medical records provide. Your physician can provide testimony as to how your condition affects your daily activities and interferes with your life. It is important to maintain an honest relationship with your physician so that they can provide you with the most accurate information possible.
- Impact statements from personal references: Statements from friends, family, coworkers, or other people you interact with in your daily life can strengthen to your claim. Such acquaintances can testify how your condition has disabled you at home as well as at work. They may be able to provide details you may not have thought to report to your physician, but they have witnessed. Such personal evidence can be very beneficial to your claim.
- Expert opinions: Chisholm Chisholm & Kilpatrick works with medical professionals and vocational experts who can perform additional evaluations for your claim. Additional medical examinations that may strengthen your claim can include functional capacity and neuropsychological tests, while a vocational expert can assess your ability to perform the duties of your job with your condition.
CCK Wants to Ease Your Buren of Filing for Long-Term Disability Insurance
CCK knows that filing a long-term disability claim while managing your health can be difficult. The legal team serving Jamestown, RI wants to make it as simple for you as possible. We can serve as a point of contact between yourself and your insurance company, as well as your doctors, to ensure all transactions are handled smoothly and no deadlines are missed.
Once your claim is approved and you begin to receive monthly long-term disability benefits, we will continue to help you take care of any further requests from your insurance company. Failing to keep your insurance company updated can result in a termination of benefits. They will likely require updated documentation, and we can continue to assist you by making sure all their requests are filled. The legal team at CCK understands that applying for long-term disability benefits can be a challenging and exhausting process, especially while you are managing your health at the same time. We want you to be able to take care of your health and well-being while we take care of the long-term disability process.
Contact Chisholm Chisholm & Kilpatrick Today for Your Free Consultation
If you have a medical condition that disables you and keeps you out of work, the Chisholm Chisholm & Kilpatrick lawyers serving Jamestown, RI can help you file for long-term disability benefits. Whether you are filing an initial claim or fighting an appeal of benefits, we can assist you at any step in the process. We have the experience to prove that your medical condition meets the requirements of your insurance policy so that you can get the benefits you deserve.
For a free consultation with a member of our team, you can contact us online or call 800-544-9144 today.
Jamestown Blog Posts
- Long-Term Disability (LTD) Claims for Physicians
Occupations in the medical field are both physically and mentally demanding. Unfortunately, this means that disabilities are all too common, especially among physicians. Given the years of demanding work that goes into building a career as a physician, the prospect of being unable to work and needing to file a disability claim can be daunting […]
- Going from Short-Term Disability to Long-Term Disability
Short-term disability (STD) insurance provides financial benefits when you become temporarily disabled and cannot work. This type of insurance typically covers conditions such as temporary injuries, surgery rehabilitation, and pregnancy. On the other hand, long-term disability (LTD) insurance provides financial benefits if you become disabled and are unable to work for a longer period. Typically, […]
- 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 […]