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Long-Term Disability Lawyer Serving Portsmouth, RI

When a doctor diagnoses you with a debilitating medical condition that prevents you from working, it is stressful.  However, you may be eligible to file for long-term disability (LTD) benefits.  This process – whether filing an initial claim or appealing a denial – can be arduous.  Fortunately, this is not a process you need to handle alone.

A long-term disability lawyer serving Portsmouth, RI from Chisholm Chisholm & Kilpatrick may be able to assist you.  Navigating an LTD claim can be complex, but our legal team will ensure that it runs as smoothly as it can.  Call CCK today for a free consultation about your long-term disability claim at 800-544-9144.

How Does Contacting an Attorney Help My LTD Claim?

Claimants can file an LTD claim on their own; however, this is not always the best option.  As mentioned, the long-term disability claim process can be complex, so having an attorney assist you is very beneficial.

The long-term disability lawyers from CCK serving Portsmouth, RI have over thirty years of collective experience concerning LTD claims.  We understand the difficulties associated with such claims, especially when it comes to dealing with insurance companies.

Unfortunately, insurance companies do not always prioritize their clients’ needs.  Instead, they prioritize their business needs.  Additionally, insurance companies will avoid paying claims whenever possible, so it is important to have an attorney ensure that they handle your claim fairly.

Moreover, ERISA law governs many long-term disability policies.  Our legal team is experienced in ERISA law and knows how to navigate its complexities.  For example, under ERISA law, you cannot submit new evidence after the appeal stage.  Therefore, should your claim go to court, you would no longer be able to supply new evidence.

Our attorneys ensure that you have the evidence you need to avoid this situation.  Additionally, there are strict deadlines associated with ERISA.  If you were to miss a deadline, you could face a denial of your benefits.  Our lawyers ensure that this does not happen.

We Will Gather the Evidence You Need to Prove Your Long-Term Disability Claim

Receiving long-term disability benefits is contingent on proving you meet the definition of disabled as defined in your LTD policy.  While medical records will be your primary source of evidence, it is rarely sufficient on its own.  Chisholm Chisholm & Kilpatrick will gather a variety of supplemental evidence that will strengthen your case, such as:

  • Reports from your treating physician: Your treating physician can supply a specialized report documenting how your condition specifically affects you. This report offers detailed information on your condition that an ordinary medical report cannot provide.  Our team can explain to your physician why this report is necessary so that you may obtain one for your claim.
  • Witness statements from personal acquaintances: Obtaining witness statements from family members, close friends, or coworkers can significantly bolster your claim. Often, these close acquaintances have firsthand knowledge of how your condition affects you each day.  Family members and close friends can attest to how your condition affects you in your personal life, and coworkers can attest to how your condition prevents you from adequately doing your job.
  • Evaluations from outside experts: Outside experts provide objective third-party evidence that strengthens a claim. CCK works with several outside experts that conduct supplemental assessments to prove your condition warrants the benefits you are seeking.  These assessments can include functional capacity, neuropsychological, and vocational evaluations.

Chisholm Chisholm & Kilpatrick Can Ease the Stress of Filing an LTD Claim

Filing a long-term disability claim is a daunting task that can add a lot of stress to your life.  You should focus on your personal well-being instead of worrying about your insurance company.  While insurance companies should fairly and objectively handle each LTD claim, this does not always happen.  We work hard at ensuring that they handle your case neutrally and fairly.

We serve as a point of contact between you and your insurance company.  Additionally, should your insurance company ask for additional documentation after an approval of your benefits, we will continue to represent you and handle these matters.  We will not stop being your point of contact.

Our legal team at Chisholm Chisholm & Kilpatrick will handle the completion of all claim forms, evidence, and deadlines to ensure your insurance company receives what it requires.  Moreover, if you need to file an appeal of a denial of benefits, we will analyze your policy and denial letter to create an in-depth appeal.  This in-depth appeal will lay out why you deserve your LTD benefits.

Call Chisholm Chisholm & Kilpatrick Today for a Free Consultation

When you have a debilitating medical condition that prevents you from working, you should focus on your health.  You should not be worried about filing a long-term disability claim or appealing a denial of benefits.

The long-term disability lawyers at Chisholm Chisholm & Kilpatrick serving Portsmouth, RI may be able to help you.  Our legal team will work to help you prove that you meet the definition of disability as laid out by your policy.  Additionally, we are prepared to fight for your long-term disability benefits should you need to appeal a denial.

We are here to assist you regardless of where you are in the process.  Call 800-544-9144 today for a free consultation regarding your long-term disability claim and see how we may be able to help you.