Long-Term Disability Lawyer Serving Coppell, TX
A person must consider filing for long-term disability (LTD) benefits in Coppell, TX when they become unable to work for an extended period. Individuals may receive this coverage privately through an insurance company or through their employer as part of a benefits package. Either way, policyholders want to know that these benefits will be there when they need them. Unfortunately, acquiring these essential monthly disability benefits is challenging.
Insurance companies deny a multitude of LTD claims every year in the United States, including Texas. It can be disheartening to receive such a denial, but this is not a process that claimants must handle on their own. A long-term disability lawyer serving Coppell from CCK is prepared to help you at any stage of the claims and appeals process. Call us today at 800-544-9144 for a free case evaluation.
Consulting a Long-Term Disability Lawyer Is Beneficial for Your Claim
The disability rate in Coppell, Texas was 3.5 percent. As such, many individuals may face the reality of having to file an LTD claim for monthly benefits. Some claimants may decide to handle their cases on their own. However, this can lead to common mistakes, which can be detrimental to the success of your claim. Thus, consulting a long-term disability lawyer in Texas is beneficial to avoid these missteps and increase your chances of winning your benefits.
CCK has been helping long-term disability clients for over 20 years receive the benefits they deserve, and we know the pitfalls of the process and how to avoid them. We believe that you should not have to worry about receiving benefits but, rather, should focus on your well-being. Therefore, our team can help at any stage. We help our clients in numerous ways, including:
- Reviewing and submitting all documentation;
- Collecting and submitting all evidence;
- Acting as a point of contact between clients and their doctors to collect important medical records;
- Ensuring all group policies are compliant with ERISA;
- Advising claimants when they must independent medical exams (IMEs);
- And more.
In short, our goal is to alleviate the stress of the long-term disability claims and appeals process while increasing the likelihood of receiving a favorable decision from the insurance company.
CCK Can Collect and Submit All Evidence for Your Coppell Long-Term Disability Claim
Every long-term disability policy contains a definition of disability. All claimants must prove to their insurer that their medical condition or injury disables them under their policy’s specific definition. Therefore, all LTD claimants must submit evidence to the insurance company. While most claimants rely on their medical records as evidence, some may require supplemental proof. CCK utilizes various forms of evidence that we can collect and submit on your behalf, including:
- Specialized reports from treating physicians: Your doctors have unique insights into how your condition impairs you. A specialized report from your physicians can highlight key aspects of your condition that your medical records do not.
- Witness statements from family, friends, and co-workers: Others often see how your condition affects you, both at home and in the workplace. Thus, obtaining official witness statements from these individuals, such as family members and co-workers, can help reinforce your claim for LTD benefits.
- Additional medical and vocational evaluations: CCK works with several outside experts who can provide your claim with vital objective evidence, such as functional capacity tests; neuropsychological assessments; and vocational evaluations.
We Can Alleviate the Stress of Dealing with the Insurance Company
Insurance companies often prioritize their financial needs over the approval of disability claims. As such, many LTD claimants receive unjust denials of their benefits. Some claimants may be receiving benefits only to have them wrongly terminated. Either way, the LTD team here at Chisholm Chisholm & Kilpatrick does not believe you should have to stress about dealing with the insurance company and wants to help.
Your insurer may incessantly request more information about your disability to delay the process. They may also excessively investigate your claim through surveillance and social media monitoring tactics. CCK can help.
First, our law firm can act as a point of contact between you and your insurer. This ensures that you do not have to directly deal with them during the claims and appeals process. Additionally, our team can track all filing deadlines and ensure that your insurer receives everything on time. A missing deadline could cost you your benefits.
CCK can go up against any insurance company, such as Unum; The Hartford; Prudential; and New York Life. We have dealt with disability insurers for decades and know how they operate and what they look for in a successful claim. If they do deny your claim, CCK can handle all aspects of your appeal and, if necessary, represent you during litigation.
Call CCK Today for a Free Case Evaluation
CCK knows how frustrating obtaining long-term disability benefits is and we want to help. Our offices in Texas allow us to help the residents of Coppell and offer individualized care to every client that comes to us.
If you need assistance filing, appealing, or litigating for LTD benefits, CCK may be able to help. Call us today at 800-544-9144 for a free case evaluation. We will analyze your claim and determine if we can assist you.
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