Long-Term Disability Lawyer Serving Cibolo, TX
When a person is unable to work due to a medical condition or injury, they must consider filing for long-term disability (LTD) benefits. These benefits can help protect a percentage of your pre-disability earnings. However, obtaining these benefits can be a challenge. If you live in Cibolo, TX, and are filing or appealing for such benefits, you do not need to do it alone.
An experienced Cibolo, TX long-term disability lawyer from CCK is prepared to help you at any stage of the LTD claim and appeal process. Call us today at 800-544-9144 for a free case evaluation with a member of our team.
Consulting with a Texas Long-Term Disability Lawyer Is Beneficial for Your Claim
Developing a medical condition or suffering an injury that renders you unable to work can be overwhelming. There are medical bills and daily expenses you must pay, and if you cannot work, you may begin wondering how you will manage. Long-term disability benefits protect a percentage of your income — typically between 60 and 80 percent. Filing for these all-important monthly benefits in Cibolo, Texas can be challenging.
Some claimants may decide to handle these claims on their own, but this can lead to mistakes. A mistake — even a minor one — can result in a denial of your LTD claim or appeal. Therefore, consulting an experienced Texas ERISA attorney to help you navigate this complex process is beneficial. The legal team at CCK Law can help you at any stage and help you avoid common missteps that could be detrimental to your claim.
CCK has over 30 years of combined experience helping clients get long-term disability benefits. Moreover, our law firm’s office in Texas helps us serve the residents of Cibolo. We help our clients in many ways, including tracking all filing deadlines, reviewing and submitting all documentation, collecting and submitting all evidence, and more.
CCK Can Collect and Submit All Evidence for Your Cibolo, TX Long-Term Disability Claim
Every long-term disability insurance policy contains a definition of disability. All claimants must prove to their insurers that their condition disables them per this definition. Medical records are most claimants’ primary source of evidence. However, some claims require additional proof. CCK utilizes various forms of supplemental evidence and can collect it on your behalf. Such evidence may include:
- Specialized reports from treating physicians: Your treating physicians have unique insights into how your condition affects you. Often, medical records do not tell the whole story about your disability. Your doctors can write a report that highlights key aspects of your condition and how it impairs you.
- Witness statements from family, friends, and co-workers: Others often see how your condition impacts your life. Thus, procuring official witness statements from these individuals can bolster your claim. Family and friends can vouch for how your condition affects you at home, and co-workers can explain how your condition impairs you in the workplace.
- Additional medical and vocational evaluations: Some claimants require additional evidence to demonstrate how their condition prohibits them from working. CCK works with several outside experts who can provide your claim with objective evidence, such as 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 Cibolo, TX is 8.2 percent. Residents of the city of Cibolo who deal with disabling conditions may need to file an LTD claim with an insurance company. While every insurance company should handle each claim neutrally, this does not always occur. Unfortunately, such companies prioritize their financial needs and deny numerous claims every year. Dealing with such companies can add stress to an already stressful situation. CCK understands this and wants to help.
Our long-term disability attorneys have gone up against all the big-name insurance companies and know how they operate. Insurance companies such as:
- Unum
- Aetna
- MetLife
- Prudential
CCK can handle every aspect of your claim and/or appeal, which can free your time up so that you may focus on what matters most: your health. As such, we can act as a point of contact between you and your insurer. In other words, all correspondence must first pass through us.
Additionally, if you have a group policy, our team will ensure that it complies with the federal law known as ERISA. This strict law governs such policies and has its own rules and regulations. Moreover, if your insurer denies your initial claim, CCK can help you with your appeal by reviewing your denial letter, requesting and reviewing your claim file, collecting additional evidence, writing and submitting a comprehensive appeal, and more.
Call CCK Today for a Free Case Evaluation
The long-term disability claims and appeals process is complex and often overwhelming. Whether you are filing an initial claim, appealing a denial, or filing a lawsuit in court, it can be difficult. A long-term disability lawyer serving Cibolo, TX from CCK understands this and may be able to help you.
Call CCK today at 800-544-9144 for a free case evaluation with a member of our team. We will analyze your case and determine if we can assist you.
Cibolo Blog Posts
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Long-Term Disability (LTD) Claims for PhysiciansOccupations in the medical field are both physically and mentally demanding. Unfortunately, this means that disabilities are all too common, especially among physicians. Given the years of demanding work that goes into building a career as a physician, the prospect of being unable to work and needing to file a disability claim can be daunting […]
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What To Do if Your Long-Term Disability Claim Is DeniedIt is frustrating when you develop a debilitating condition that prevents you from working. As a result, you must file for long-term disability benefits. But what do you do when you receive a denial of your initial claim from your insurance company? While many claimants file their LTD claims and appeals by themselves, it is […]
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Effective Communication and Long-Term Disability ClaimsLong-term disability insurance can be purchased by individuals or can be received through your employer. If you lose income due to a covered disability, long-term disability insurance will replace all or some of your income and may provide other benefits. In order to receive these benefits, you must file a claim with your insurer. This […]