Long-Term Disability Lawyer Serving Scituate, RI
If you are diagnosed with a medical condition that disables you from working, you may need to file a long-term disability (LTD) claim. The process of filing a claim or appealing a denial can be difficult, especially while you are managing your health. Whether you need to file an initial claim for benefits or are appealing a denial, you do not need to handle the long-term disability process alone.
A long-term disability lawyer serving Scituate, RI from Chisholm Chisholm & Kilpatrick can help you navigate the long-term disability process. We want you to help you obtain your benefits. You can call today for a free consultation with a member of our team at 800-544-9144.
How Can Contacting an Attorney Help My Claim?
Claimants are able to handle their long-term disability claims on their own, but there are benefits to seeking the help of an attorney. The attorneys serving Scituate, RI have over three decades of collective experience working to help claimants get their benefits. We understand the difficulties claimants may have working with insurance companies and know how they do not always prioritize your needs and instead favor their own business needs. We can ensure that your insurance company is handling your claim fairly.
Our attorneys are knowledgeable in long-term disability and ERISA law, which governs group plans. Under ERISA, your long-term disability plan may be subject to strict rules. Missing deadlines can be cause for denial, and you cannot submit new evidence beyond the appeal stage. We work to ensure that your claim meets all requirements according to ERISA regulations, state law, and your policy.
CCK lawyers will evaluate your policy and determine the best evidence needed for your claim. We will aid you in gathering evidence from your doctor and assist you in finding additional medical or vocational experts who can provide further evidence for your claim. We can handle the burden of your claim for you so that you can concentrate on managing your medical condition.
We Will Gather Evidence to Prove Your Long-Term Disability Claim
To receive long-term disability benefits, you must submit evidence to prove that your condition meets your policy’s definition of disability. Medical records are the primary source of evidence in a long-term disability claim, but unfortunately, they are often not enough to satisfy your policy. CCK utilizes a variety of evidence to prove you claim, such as:
- Reports from your treating physician: A personal report from your physician can provide insight as to how your condition affects your daily life, and your ability to carry out day-to-day functions. Your physician may be able to offer an in-depth look into your condition that your medical records do not provide. Maintain an honest relationship with your physician so that they can accurately attest how your condition impairs you.
- Statements from personal acquaintances: Others have likely witnessed the ways your condition has impacted your everyday life. Friends and family may be able to provide statements as to how your condition affects you in your personal life, while coworkers may provide evidence about how it impairs you at the workplace. Such statements can greatly strengthen your claim.
- Evaluations from outside experts: CCK works with medical and vocational experts who can provide additional evaluations of your condition. Such evaluations may include functional capacity tests, neuropsychological evaluations, and vocational assessments that can demonstrate how your condition prevents you from carrying out the duties of your job.
Chisholm Chisholm & Kilpatrick Can Ease Your Burden of Long-Term Disability
The legal team at CCK is ready to help you with your long-term disability claim. We can assist you in completing your claim’s required documentation and aid you in gathering strong evidence for your insurance company. We can handle the communication with your doctor and your insurance company on your behalf. Similarly, if you need to file an appeal after a wrongful denial of benefits, we can evaluate your policy and denial letter to build a strong case for your appeal.
If your claim is approved and you begin to receive monthly benefits, your insurance company may require periodic updates of your condition. We can continue to represent you and handle the submission of any required documentation or new evidence. CCK will ensure you meet continual deadlines so that you are not faced with a wrongful termination of benefits. We want you to be able to able to take care of your condition and leave the burden of your claim to us.
Call Chishom Chisholm & Kilpatrick for a Free Consultation
If you suffer from a medical condition that prevents you from working, you may be qualified for long-term disability benefits. The long-term disability attorneys serving Scituate, RI at Chisholm Chisholm & Kilpatrick are ready to assist you with your claim. We can help you prove that you are disabled under the terms of your long-term disability policy so you can obtain the benefits to which you are entitled.
Whether your plan is privately purchased or ERISA-governed, we may be able to help. You can contact Chisholm Chisholm & Kilpatrick today at 800-544-9144 for a free consultation with a member of our team.
Scituate Blog Posts
- Long-Term Disability (LTD) Insurance Company Deadlines: ERISA
Employer-provided long-term disability (LTD) policies are governed by the Employee Retirement Security Act of 1974 (ERISA), which includes requirements for deadlines. Insurance companies must follow the ERISA regulations when issuing decisions on your long-term disability claim or appeal. Initial Claim Decision Deadlines In order to receive long-term disability (LTD) benefits, you will need to file […]
- Getting Long-Term Disability (LTD) Benefits for Alzheimer’s Disease
Alzheimer’s disease is a neurological disorder in which the brain begins to deteriorate over several years, leading to memory and cognitive function impairment. While over 6 million people in the United States ages 65 and over live with Alzheimer’s disease, it can affect people much younger. Alzheimer’s marks a continuous decline in cognitive abilities that […]
- Why Do Insurers Deny Long-Term Disability Claims?
When a person develops a medical condition that impairs their ability to work, they want to know that they can turn to their long-term disability (LTD) benefits. Yet many insurance companies routinely deny LTD claims. This can make the possibility of receiving such benefits seem impossible. Unfortunately, insurance companies prioritize their financial needs often. These […]