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Long-Term Disability Lawyer Serving Narragansett, RI

When you develop a debilitating medical condition that makes it so you cannot work, it is both upsetting and stressful.  However, knowing you have long-term disability (LTD) insurance is a comfort to many.  Yet, filing a claim can be difficult, confusing, and time consuming.  This is especially true if you are concurrently trying to manage your health.

The legal team at Chisholm Chisholm & Kilpatrick serving Narragansett, RI is available to help you with your claim.  It does not matter whether you are filing the initial claim or appealing a loss or denial of benefits, the long-term disability lawyers at CCK can help.  Our team has over thirty years of experience with LTD claims and insurance companies and are prepared to help you get the benefits you deserve.  Call 800-544-9144 today for a free consultation with a member of our team.

How CCK Can Help with Your LTD Claim

Everyone has the option to file their long-term disability claim by themselves.  However, there are benefits to contacting a lawyer to help you with the process.  Chisholm Chisholm & Kilpatrick attorneys serving Narragansett, Rhode Island know how to handle your claim and have years of experience with ERISA law.

Our attorneys review your policy thoroughly to help you understand the definition of disability you must meet to qualify for LTD benefits.  For your claim to get approved, this definition must be met.  Therefore, our LTD lawyers will help you collect all the necessary evidence to support your claim.

CCK acts as a point of contact between you and your insurance company.  Our legal team will handle all interactions and ensure that your insurance company is handling your claim fairly.  Insurance companies rarely have your best interests in mind—though they will claim otherwise.  Instead, they prioritize their own business needs, and our legal team understands how this can complicate the process.  Dealing with an insurance company is burdensome, and we want to alleviate that burden for you.

When you appeal a wrongful denial of benefits, ERISA law may affect how your case is handled, so having an ERISA attorney on your side is very beneficial.  Under ERISA, you cannot submit new evidence after the appeal stage.  If your case is denied again and goes to court, you will not have the chance to submit more evidence.  Therefore, gathering the proper evidence at the beginning is crucial.  Our lawyers can help—CCK wants to make the long-term disability process smooth for you.

We Gather the Evidence Needed to Prove Your Long-Term Disability Claim

While medical records are the primary source of evidence for a long-term disability claim, they are by no means the only evidence you should submit.  Unfortunately, insurance companies routinely request much more evidence be submitted to prove you meet their definition of disability.

Our long-term disability insurance attorneys at Chisholm Chisholm & Kilpatrick that serve Narragansett, RI gather a wide variety of evidence to bolster your claim.  This evidence includes:

  • Reports from treating physicians: Medical records, as mentioned, are usually not sufficient on their own. Having a personalized report from your treating physician is vital to bolstering your LTD claim.  A personalized report from your physician provides observations of your condition that medical records cannot show.
  • Statements from Family, Friends, and Coworkers: Witness statements from your family, friends, and coworkers are beneficial for your claim. Oftentimes, these people in your life have first-hand accounts of how your condition has affected you.  Statements made by your family and friends show how your condition affects you at home, while statements made by your coworkers show how your condition affects you at work.
  • Evaluations from outside experts: Additional evidence is sometimes needed even after you have provided all the above-mentioned evidence. To demonstrate that you meet the definition of disability, CCK works with outside experts who can perform additional evaluations.  These experts provide functional capacity, neuropsychological, and vocational evaluations.

We Can Alleviate the Burden of Long-Term Disability in Narragansett

The legal team at Chisholm Chisholm & Kilpatrick is ready to alleviate the burden of the LTD process for you.  By handling the communication between you and your insurance company, we ensure that all deadlines are met, all evidence is gathered efficiently, and that you are relieved of the stress associated with these actions.  This way, you can focus on your health.

Our dedicated long-term disability attorneys do not stop once your claim is approved.  Oftentimes, insurance companies continue to request updated documentation.  We can continue to represent you and act as your point of contact with the insurance company.  CCK will ensure that all requirements are met so that you are not faced with a wrongful termination of your benefits.

Call Chisholm Chisholm & Kilpatrick for a Free Consultation

You may be qualified for LTD benefits if you suffer from a medical condition that prevents you from working.  The long-term disability insurance attorneys serving Narragansett, RI from CCK are ready to assist you.  We can help prove that you are disabled under the terms of your LTD policy so that you may receive the benefits to which you are entitled.

Whether your plan is privately purchased or is governed by ERISA, we may be able to help you.  Contact Chisholm Chisholm & Kilpatrick today at 800-544-9144 for a free consultation with a member of our team.