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Long-Term Disability Lawyer Serving Fort Worth, TX

When a person develops a medical condition that prevents them from working, it can be stressful.  In such situations, it may be necessary to file for long-term disability (LTD) benefits.  Those living in Fort Worth, TX who have long-term disability coverage must consider filing for such benefits.  Yet acquiring these essential benefits can be difficult.

LTD benefits can protect a percentage of your pre-disability earnings.  However, insurance companies deny numerous claims every year.  Luckily, this is not a process you must do on your own.  A long-term disability lawyer serving Fort Worth, TX from CCK can help.  Call us today at 800-544-9144 for a free case evaluation.

Contacting an Experienced Long-Term Disability Lawyer Is Beneficial for Your Claim

Filing for long-term disability benefits is a complex process.  A person in Fort Worth, Texas must collect and submit both documentation and evidence that demonstrates their need for monthly disability benefits.  This can quickly become overwhelming when you are also trying to manage a medical condition.  Some claimants try and handle their LTD claim on their own.  Yet this can lead to common mistakes.

Luckily, the long-term disability claims and appeals process is not something you must handle on your own.  An experienced Texas long-term disability lawyer from CCK can help you at any stage of the process.  Our law firm has over 30 years of combined experience helping clients fight for their benefits.  We help our clients in several ways, including:

  • Tracking all filing deadlines;
  • Reviewing and submitting all documentation, including the claim forms;
  • Collecting and submitting all evidence to the insurance company; and
  • Ensuring all group policy claims are compliant with ERISA.

Whether you are suffering from a condition that impairs your cognitive abilities (e.g., dementia) or physical abilities (e.g., multiple sclerosis), CCK may be able to help.

CCK Can Gather and Submit All Evidence Necessary for Your Fort Worth, TX Disability Claim

The disability rate in Fort Worth, TX is 7 percent.  As such, many Fort Worth, TX residents may need to file for LTD benefits.  To receive such benefits, all claimants must prove that their condition impairs them per their policy’s definition of disability.  Medical records are most claimants’ primary source of evidence, but some claims also require supplemental evidence.  CCK can collect and submit all evidence on your behalf, including:

  • Specialized reports from your treating physicians: Your treating physicians have unique insights into how your condition impairs you. A doctor can write a specialized report that highlights key aspects of how your condition disables you.  Medical records do not always tell the whole story, so such a report is beneficial for your LTD claim.
  • Witness statements from family, friends, and co-workers: Others often see how your condition affects you. By obtaining witness statements from these individuals, you can reinforce your claim for benefits.  Family and friends can vouch for how your condition impacts you at home, and co-workers can explain how your condition impairs you at work.
  • Additional medical and vocational evaluations: Some claims require additional evidence from outside experts. These outside experts can provide your claim with objective evidence, which insurers prefer.  CCK works with several third-party experts who can provide evidence such as neuropsychological assessments; vocational evaluations; and functional capacity tests.

We Can Help Alleviate the Stress of Dealing with the Insurance Company

Insurance companies deny a multitude of LTD claims every year.  Unfortunately, such companies do not want to approve claims, so they scrutinize every minute detail of each claim they receive.  Insurers typically hire private investigators to surveil claimants, and they may incessantly ask for more information throughout the claim process.  All this can be overwhelming.

Chisholm Chisholm & Kilpatrick have gone up against all the big-name insurance companies and know how they operate.   We can help you no matter what insurer administers your long-term disability policy, including:

  • Unum
  • MetLife
  • The Hartford
  • Aetna

If the insurance company denies your claim, you have the right to appeal.  CCK can help you with every aspect of your appeal.  Our team can track your appeal filing deadlines, review your insurer’s denial letter, request and review your claim file, collect additional evidence if necessary, and submit a comprehensive appeal on your behalf.

Additionally, our team acts as a point of contact between you and your insurer, which means all correspondence must first pass through us.  This frees up your time to focus on what matters most: your health.

Call Chisholm Chisholm & Kilpatrick Today for a Free Case Evaluation

CCK understands how frustrating and difficult the LTD process is and wants to help.  A long-term disability lawyer serving Fort Worth, TX from CCK can help you at any point in the LTD process.

Call CCK 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.

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