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Long-Term Disability Lawyer Serving Rhode Island

When you have a medical condition that prevents you from working, it can be overwhelming.  In such situations, you may need to file for long-term disability (LTD) benefits.  These benefits can protect your income and allow you to focus on your health.  However, insurance companies are difficult to work with, and the claim process can be complex.

Whether you are filing an initial claim or appealing a denial of benefits, it is not a process you must go through alone.  A long-term disability lawyer serving Rhode Island from Chisholm Chisholm & Kilpatrick is ready to assist you.  Call us today at (800) 844-9144 for a free consultation with a member of our team and see how we may be able to help you.

Contacting a Lawyer is Beneficial for Your Rhode Island LTD Claim

Between 2016 and 2020, the disability rate in Rhode Island was 9.7 percent.  Additionally, according to the CDC, the average healthcare cost for those with disabilities was around $20,174 per person in 2017.  Those faced with the potential loss of their income may find this sum disheartening.  Fortunately, long-term disability benefits can protect your income so that you may receive the care and treatment you need.

However, the LTD process is often complex.  Long-term disability policies contain a lot of vital information that claimants can easily misunderstand.  It may be beneficial to contact an experienced long-term disability lawyer for your Rhode Island LTD claim to avoid common mistakes that could result in a denial.

While many claimants decide to handle their claim or appeal by themselves, it is not always the best option.  Insurance companies can be difficult to work with, and they often prioritize their financial needs over the health needs of their clients.  As such, they do not want to pay claims and will find any reason to issue a denial.  The long-term disability attorneys at CCK work to ensure that your insurer handles your claim fairly.

Additionally, ERISA law governs group policies.  Employers provide group policies through their benefits packages.  ERISA law is complex and has its own strict deadlines.  Our ERISA attorneys have experience with this federal law and will track all deadlines and requirements to ensure that you do not miss anything.

Chisholm Chisholm & Kilpatrick Will Gather the Best Evidence to Prove Your Disability

Your long-term disability policy contains a definition of disability that you must prove you meet to receive benefits.  To prove your disability under this definition, you must submit evidence.  While medical records will be your primary source of evidence, it does not always tell the whole story.  Supplemental evidence can bolster a claim, and it can demonstrate why you need LTD benefits.  CCK utilizes a variety of supplemental evidence, such as:

  • Specialized reports by treating physicians: Obtaining a specialized report from your treating physician can illustrate how far-reaching your condition truly is.
  • Witness reports by family, friends, and coworkers: It is likely that others have seen how your condition affects you, both at home and at work. Obtaining official witness statements can bolster your claim.  Such statements from your family and friends can show how your condition affects you at home, and statements from your coworkers can show how you are unable to work.
  • Evaluations from outside experts: Medical and vocational experts can provide objective, third-party evidence for your claim. CCK works with several outside experts who can provide their opinions on your condition.  Such experts can provide functional capacity, neurophysiological, and vocational evaluations.

CCK Can Alleviate the Stress of Dealing with the Insurance Company

Our long-term disability insurance attorneys want to alleviate the stress of dealing with the insurance company.  Insurance companies routinely ask for more information, and it can be difficult to procure this information and submit it on time.  Our dedicated LTD team will act as a point of contact between you and your insurer.  You will never have to deal directly with them as we will handle all correspondence.

Our long-term disability lawyers have over three decades of collective experience dealing with insurance companies, such as Aetna, Unum, The Stanford, and more.  We know how they operate, what they look for, and surveillance tactics they may use.  Whether you live in Providence, Barrington, Jamestown, or any other town or city in Rhode Island, we will fight for your rights to your benefits.

CCK can continue to represent you even after you receive an approval of your benefits.  Oftentimes, insurance companies will continue to request updated documentation and evidence to verify that you still have a condition that warrants LTD benefits.  We can continue as your point of contact and submit all updated information on your behalf.  This ensures that you may retain your benefits for as long as you need them.

Call Chisholm Chisholm & Kilpatrick Today for a Free Consultation

When you have a debilitating medical condition that prevents you from working, you must consider filing for long-term disability benefits.  We believe that you should not worry about filing a claim or appealing a denial.  Instead, we want you to focus on what matters most: your health.

Regardless of where you are in the long-term disability process, our long-term disability lawyers serving Rhode Island are ready to assist you.  Call us today at 800-544-9144 for a free consultation concerning your LTD claim or appeal.