Long-Term Disability Lawyer Serving Bellaire, TX
Developing a medical condition that prevents you from working is stressful. There are medical expenses on top of ordinary living expenses. You may not know how you will pay these bills if you cannot work. If you cannot work for an extended period, you must consider filing for long-term disability (LTD) benefits. However, obtaining these benefits can be challenging. Our Bellaire TX long term disability lawyers can help you navigate the process and get the benefIts you deserve!
You may have an LTD insurance policy through your employer or have bought one privately. Regardless, you expect these benefits to be there when you need them. Yet insurance companies, such as Unum or Aetna, deny disability claims every year. This is not something you must do on your own. An experienced Texas long-term disability lawyer from CCK may be able to help. Call us today at 800-544-9144 for a free case evaluation.
Consulting a Long-Term Disability Lawyer Is Beneficial for Your Claim
The long-term disability claims and appeals process is often complex. Claimants can handle such claims on their own but are more apt to make mistakes. These mistakes could be detrimental to a claim’s success. When filing an LTD claim in Bellaire, Texas, you must procure and submit a myriad of documentation and evidence to prove your disability. This can quickly become overwhelming. CCK can help.
We have been helping long-term disability claimants for over 20 years receive the benefits they need. As such, our team is well-versed in disability laws, such as ERISA, and we have the knowledge necessary to go up against any insurance company. Several conditions can impair an individual. Some examples include kidney disease, PTSD, and multiple sclerosis. Regardless of what condition ails you, CCK has the expertise to help you obtain these all-important monthly disability benefits.
If you have a group insurance policy through your employer, then CCK will ensure that your claim/appeal is compliant with ERISA. Moreover, our team can track all filing deadlines; act as a point of contact between you and your doctors; review and submit all documentation, including the claim forms; handle all aspects of your appeal; and more. In short, we can help at any point in the claims and appeals process and fight for your right to your benefits.
CCK Can Collect and Submit All Evidence for Your Bellaire, Texas Disability Claim
Every long-term disability insurance policy contains a definition of disability. Claimants must submit evidence to their insurer that proves their condition meets this definition. Most claimants rely on medical records as evidence, but some may require additional proof. CCK utilizes various forms of supplemental evidence, and we can gather and submit this evidence on your behalf. Some examples of what we can gather include:
- Specialized reports from treating physicians: Your doctors have unique insights into how your condition affects you. Thus, maintaining an open dialogue with them during treatment is critical. A specialized report from your doctor(s) can highlight key disabling aspects of your condition that ordinary medical records do not.
- Witness statements from family, friends, and co-workers: Others often see how your condition impairs you. For example, family and friends see how your condition disables you at home, and co-workers see how your condition prevents you from working. Obtaining official witness statements from these individuals can reinforce your LTD claim.
- Additional medical and vocational evaluations: CCK works with several outside experts. These experts can provide your claim or appeal with objective evidence. This can include functional capacity tests, neuropsychological assessments, and vocational evaluations.
Chisholm Chisholm & Kilpatrick Can Alleviate the Stress of Dealing with the Insurance Company
The disability rate in Bellaire, TX is 3.7 percent. As such, individuals in Bellaire may find they must file an LTD claim and/or appeal with an insurance company. However, such companies do not want to approve disability claims. Often, these companies incessantly ask for more information from the claimants, delay making a decision on a claim, surveil claimants, monitor claimants’ social media accounts, and more. In short, if an insurance company can find a reason to deny a claim, then they will.
Chisholm Chisholm & Kilpatrick has over 30 combined years of experience dealing with these insurance companies. We have gone up against all the big-name insurers, and we are prepared to handle your insurer too. CCK does not believe you should have to worry about handling the tactics of your insurer while also trying to manage your condition. Therefore, we work diligently to alleviate this stress so that you may focus on your health.
We help our clients in Bellaire, TX deal with their insurance companies in several ways. This includes acting as a point of contact so that all correspondence must first pass through us; reviewing the insurance company’s denial letter; requesting and reviewing your claim file; litigating in court; and more.
Call Us Today for a Free Case Evaluation
Obtaining long-term disability benefits is often difficult. CCK understands this and wants to help. Our office in Texas helps us serve the residents of Bellaire. We work with every client on an individualized basis. In other words, you will never feel like a “number,” but, rather, like a part of the team.
CCK can help you at any stage of the process. Call us today at 800-544-9144 for a free case evaluation. A member of our team will analyze your case and determine if we can assist you.
Bellaire Blog Posts
- What Is ERISA Litigation?
The process to obtain long-term disability (LTD) benefits is comprised of three primary stages: the initial claim; the administrative appeal; and litigation. When an insurance company or other claim administrator denies an appeal, the claimant may file a lawsuit as a next step. In short, ERISA litigation is the process whereby a claimant files a […]
- 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) Claims for Financial Managers
If you are a financial manager suffering from a debilitating medical condition that is making it difficult (or impossible) to work, you may be able to file for long-term disability (LTD) benefits. If you have such a policy, you can file a claim with your insurance company to receive benefits that can protect a percentage […]