Long-Term Disability Lawyer Serving North Kingstown, RI
When you receive a diagnosis of a medical condition that will prevent you from working, it can be overwhelming. It can become more stressful when you must file for long-term disability (LTD) benefits. These benefits help protect your income when you cannot work due to a medical condition, but this complex process is daunting for many. Moreover, you must deal with your insurance company, which can be burdensome.
Luckily, this is not a process you must do by yourself. A long-term disability lawyer serving North Kingstown, RI from Chisholm Chisholm & Kilpatrick can help you wherever you are in the process. Call CCK today at 800-544-9144 for a free consultation with a member of our team.
Contacting an LTD Lawyer is Beneficial for Your Claim
The disability rate between 2016 and 2020 in North Kingstown, RI was 7.6 percent. Many claimants decide to handle their long-term disability claims on their own. However, this is not always the best decision. It is easy to make mistakes when filing for LTD benefits. Moreover, since obtaining an approval of a claim is often complex, it can become unendurable. As such, contacting an LTD lawyer is beneficial.
A long-term disability insurance attorney from CCK has the experience necessary to help you obtain the benefits you need. When you file for LTD benefits, there are myriad deadlines, regulations, and documents of which you must keep track. It is easy to make a simple mistake. Our team can track all these deadlines and collect and submit all documents and evidence on your behalf. Further, we will ensure that your claim adheres to all rules and regulations pertaining to your policy.
If you have a group policy through your employer, you must be aware of ERISA. ERISA is a federal law that governs such policies and brings its own deadlines and regulations. For example, the appeal stage is the last time you may submit new or updated evidence under ERISA. We are well-versed in ERISA and will ensure your claim adheres to it.
Additionally, your policy has a definition of disability that is important to understand as it will help determine what evidence you must collect. These policies, however, are often hard to understand. A long-term disability lawyer serving North Kingstown, RI from CCK can review your policy for you.
CCK Can Gather Evidence to Strengthen Your Long-Term Disability Claim
You must submit evidence of your disability as part of your claim. This evidence is to prove that your disability meets your policy’s definition of disability. Medical records are often your primary source of evidence. However, sometimes you must submit supplemental evidence to help strengthen your claim. CCK utilizes various forms of supplemental evidence and can collect and submit it to your insurance company on your behalf. Supplemental evidence can include:
- Reports from your treating physician: Your medical records may not always tell the full story of your condition and how it affects you. Obtaining a specialized report from your treating physician can significantly bolster your claim. These reports can highlight certain aspects of your condition that these records do not. As such, it is vital to maintain an open dialogue with your doctor throughout your treatment.
- Statements from personal acquaintances: Other people often see how your condition affects you each day. Official witness statements from family and friends can attest to how your condition affects you at home. Likewise, coworkers can write witness statements that illustrate how your condition prevents you from working.
- Evaluations from outside experts: Outside experts can provide objective evidence for your claim. Such experts can provide additional evaluations on your condition, such as functional capacity tests and neuropsychological assessments. Moreover, vocational experts can provide vocational evaluations that can show how your condition affects you at your specific job.
CCK Can Lessen the Burden of Dealing with the Insurance Company
Our long-term disability team has over 30 years of collective experience dealing with insurance companies. We know how they operate. We have taken on all the big insurance companies, such as Unum, Prudential, and others. Often, these companies prioritize their financial needs over the needs of their clients. As such, they issue many denials of benefits.
Chisholm Chisholm & Kilpatrick can act as a point of contact between you and your insurer. Any communication from the insurance company must pass through us first. This frees up your time to focus on what matters most: your health.
Additionally, we can submit everything on your behalf. This ensures that your insurance company receives everything they request on time. Moreover, if you receive an approval of your claim, we can still—in certain circumstances—continue to represent you. Often, insurance companies continue to ask for updates and documentation on your condition. We can take care of this to ensure you retain your benefits.
If you receive a denial of benefits, you have the right to appeal. CCK can handle your appeal. We will review your denial letter, directly address any issues your insurer had with your claim, collect any necessary evidence, and submit everything before the appeal deadlines.
Call CCK Today for a Free Consultation
If you suffer from a debilitating medical condition that prevents you from working, you must consider filing for long-term disability benefits. This process can be complex, so it is advantageous to consult with an experienced long-term disability attorney.
Regardless of where you are in the LTD claim and appeal process, a long-term disability lawyer serving North Kingstown, RI from CCK is ready to assist you. We have the knowledge and experience to help you obtain your long-term disability benefits.
Call us today at 800-544-9144 for a free consultation with a member of our team. We will evaluate your case and see if we can help.
North Kingston Blog Posts
- Understanding Which Benefit Plans Are Subject To ERISA
If you are covered by a group benefit from your place of employment or organization, that benefit may be governed by ERISA. ERISA law is complex and is often the subject of court litigation. It can be difficult to understand whether your employee insurance plan is subject to ERISA, and those under ERISA-governed plans may […]
- 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, […]
- How Does Long-Term Disability Work With Social Security Disability?
Insurance companies typically aim to pay less out of their own pocket whenever possible. As a result, most Long-Term Disability (LTD) policies will require you to apply for Social Security Disability Insurance (SSDI) benefits and, if you are approved for SSDI benefits, the insurance company will then look to offset your long-term disability benefits with […]