Long-Term Disability Lawyer Serving South Kingstown, RI
When you develop a debilitating medical condition or suffer an injury, it can be difficult to work. For some people, it may be impossible. In these situations, you may need to file for long-term disability (LTD) benefits.
These benefits can help protect all or a percentage of your income when you cannot work due to a disability. However, the process of obtaining them can be stressful and complex.
This is not something you must do alone. A long-term disability lawyer serving South Kingstown, RI from Chisholm Chisholm & Kilpatrick is ready to assist you. Navigating an LTD claim can be overwhelming, but our team has the necessary experience to ensure it runs as smoothly as possible. Call CCK today at 800-544-9144 for a free consultation concerning your claim.
How Does Contacting an LTD Lawyer Benefit My Claim?
The disability rate in South Kingstown, RI between 2016 and 2020 was 6.7 percent. Claimants may decide to file their LTD claim on their own. However, consulting with an experienced lawyer is beneficial. A long-term disability insurance attorney can help you avoid common mistakes to ensure your claim receives a fair review from your insurer.
Moreover, our team understands the difficulties of juggling the LTD claim process and managing your condition. We want you to focus on getting better without stressing over obtaining the benefits you deserve.
We can help you at any stage in the process. If you need help filing your initial claim, we can assist you with your claimant forms and gathering evidence. If your initial claim receives a denial, we can handle your appeal, too. If your claim must go to court, we have the litigation experience necessary to represent you.
Additionally, if you receive your LTD policy through your employer, then you must be cognizant of ERISA. ERISA is a federal law that governs such policies. This law has its own set of strict deadlines and regulations that you must follow. CCK has extensive knowledge of ERISA and will ensure that your claim or appeal is compliant.
We Can Gather the Best Evidence to Help Demonstrate Your Case
To receive long-term disability benefits, you must prove your condition meets your policy’s definition of disability. You must submit evidence to your insurer to do this. Medical records are your primary source of evidence, but some claims will require additional proof. CCK can gather this supplemental evidence and submit it on your behalf. Supplemental evidence we can gather includes:
- Specialized reports from your doctor: Your doctor has insights into your condition that ordinary medical records do not. Maintaining an open dialogue with your doctor is important. It ensures that they can accurately describe your condition and illustrate specifically how it impairs you daily.
- Official witness statements: Often, other people see how your condition affects you each day. Obtaining official witness statements from personal acquaintances is beneficial for your claim. These personal acquaintances can include family, friends, and coworkers. Such statements can show how far-reaching your condition is, both at home and at work.
- Evaluations from outside experts: CCK works with several outside experts who can provide additional evaluations on your condition. These evaluations can include functional capacity tests, neuropsychological assessments, and vocational assessments.
CCK Can Ease the Stress of Dealing with the Insurance Company
Insurance companies should handle every claim neutrally, but this is not always the reality. Often, these companies prioritize their financial needs, which can result in denials of claims. In short, if an insurance company can discover a way to deny a claim, they will. For example, insurers typically employ private investigators to surveil claimants to find inconsistencies with their claims. Other times, they incessantly contact claimants asking for more information.
It is stressful dealing with the insurance company. The LTD team at Chisholm Chisholm & Kilpatrick understands this and wants to help. First, we can act as a point of contact between you and your insurer. In short, any communication must pass through us first. This frees up your time to focus on your well-being.
Additionally, we have over 30 years of collected experience dealing with insurance companies and know how they operate. We know what they expect in a claim and can help ensure that you include it.
There are also strict filing deadlines of which you need to be aware. Missed deadlines can have adverse effects on your claim, so it is crucial to be mindful of them. CCK can track these important deadlines and ensure that your insurer receives everything on time.
Call CCK Today for a Free Consultation
If you are suffering from a debilitating medical condition that is preventing you from working, you must consider filing for long-term disability benefits. These benefits can help protect your income, but the claim process can be a daunting, complex task.
You do not need to handle this alone. The long-term disability lawyers serving South Kingstown, RI from CCK are ready to assist you and get you the benefits you deserve.
Call us today at 800-544-9144 for a free consultation. We will evaluate your claim and see if we can help.
South Kingston Blog Posts
- The Value of Vocational Evidence in Long-Term Disability Claims
When filing for long-term disability (LTD) benefits, the burden of proof is upon the claimant. Thus, it is the responsibility of the LTD claimant to submit evidence that proves that their condition meets the definition of disability within their policy. Many claimants focus on the medical evidence they must supply, but the value of vocational […]
- Long-Term Disability Requirements Explained
It is a stressful time for you and your family when you become disabled due to a medical condition or injury and cannot work. However, a long-term disability (LTD) insurance policy can protect a percentage of your pre-disability earnings. You may have this policy either through your employer (i.e., a group policy) or directly from […]
- 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 […]