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Long-Term Disability Lawyer Serving Little Compton, RI

If you suffer from a medical condition that disables you and prevents you from working, you may need to file a long-term disability (LTD) claim.  The process of filing a claim or appealing a denial of benefits can be difficult, so having an experienced long-term disability lawyer to help you is beneficial, especially when you are trying to manage your health.

A long-term disability attorney serving Little Compton, RI can help you navigate this difficult LTD claim process.  Our goal is to help you receive your benefits.  Call us today for a free consultation with a member of our team at 800-544-9144.

How Contacting an Attorney Helps Your Claim

Many claimants can file their long-term disability claims themselves, though this is not always the best decision.  There are a multitude of benefits when you hire an experienced LTD attorney to help assist you.  The attorneys serving Little Compton, Rhode Island from Chisholm Chisholm & Kilpatrick have over 30 years of collective experience in getting their clients the benefits they deserve.

We understand the difficulties that arise from dealing with insurance companies.  Oftentimes, insurance companies do not prioritize your needs.  Rather, they prioritize their own business interests, and this leads to finding reasons to not pay claims.  Luckily, the legal team at CCK knows how to handle these companies.

Moreover, our attorneys are knowledgeable in ERISA law, which may govern your group plan.  An ERISA attorney will know how to navigate ERISA.  We will ensure that your claim meets all the requirements set forth by ERISA regulations, state law, and your insurance company’s policy.

Chisholm Chisholm & Kilpatrick lawyers will thoroughly review your LTD policy.  This will help determine your policy’s definition of disability.  This will tell us what evidence we need to prove you meet the definition of disability.  When you have the right evidence, you strengthen your case considerably.

CCK Will Gather the Necessary Evidence to Strengthen Your LTD Claim

If you want to receive your benefits, you must submit evidence that proves you meet the definition of disability as set forth by your long-term disability policy.  This is more than just submitting medical records to your insurance company, though these records will be your primary source of evidence.

Our long-term disability insurance attorneys serving Little Compton will gather additional evidence to bolster your claim. Additional evidence we gather may include:

  • Reports from your treating physician: A personal report from your treating physician provides insights that ordinary medical records do not. For example, your physician can provide information concerning how your condition affects you in your daily life.  Moreover, these reports offer in-depth analysis of your condition.
  • Statements from personal acquaintances: Oftentimes, there are other people who have witnessed how your condition affects you both at work and at home. Witness statements from family and friends show how your symptoms impact you at home, and witness statements from coworkers show how your symptoms inhibit you at work.
  • Evaluations from outside experts: Sometimes additional evidence is required, which can include evaluations from outside experts. CCK works with medical and vocational experts who can provide additional evaluations of your condition.  Evaluations may include functional capacity tests, neuropsychological exams, and vocational assessments.  These all provide examples of how your condition prevents you from carrying out the duties of your job.

CCK Will Ease the Burden of Claiming Long-Term Disability Benefits in Little Compton

Our legal team wants to ease the burden of claiming long-term disability benefits as much as possible.  We know that LTD claims do not always go smoothly, especially when dealing with the insurance companies.

While they may claim to be working in your best interests, insurance companies commonly prioritize their own business needs first.  Oftentimes, this results in them avoiding paying claims whenever possible.  Unfortunately, this can result in wrongful claim denials or repeated requests for additional information.

Luckily, Chisholm Chisholm and Kilpatrick acts as a point of contact between you and your insurance company.  This means that we will take care of all interactions with the insurance company while ensuring that all documents and deadlines are delivered and met efficiently.  By doing this, we hope to ease the burden of the LTD process so that you may focus on managing your health.  We will work diligently to prove that you are qualified to obtain your long-term disability benefits.

Call Today for a Free Consultation on Your Long-Term Disability Case

When you are unable to work due to a medical condition, you want to focus on your health instead of handling the difficult long-term disability claim process.  Chisholm Chisholm & Kilpatrick are here to help you file an initial claim or appeal a wrongful loss of benefits.

It does not matter where in the process you currently are, CCK can assist you.  We are prepared to fight for you and help you receive the benefits you are entitled to in your policy.  Call us at 800-544-9144 for your free consultation today and see how we can help you.