Long-Term Disability Lawyer Serving Friendswood, TX
Developing a medical condition that renders you unable to work is stressful. In such situations, you must consider filing for long-term disability benefits. These benefits can protect a percentage of your pre-disability earnings — typically 60 to 80 percent. If you live in Friendswood, TX, then you may find this process challenging, especially when dealing with the insurance company.
However, this is not a process you must do alone. A long-term disability lawyer serving Friendswood from CCK can help you. Call us today at 800-544-9144 for a free case evaluation with a member of our team.
Contacting a Long-Term Disability Lawyer Is Beneficial for Your Claim
Filing for long-term disability benefits can be difficult. There is a myriad of documentation and evidence that claimants must collect and submit. It can get overwhelming, especially if the insurance company decides to deny your initial claim.
Some claimants handle their LTD claims on their own. However, those who handle their claims on their own are more apt to commit mistakes. A mistake — even a minor one — could result in the insurance company denying your claim for benefits. Therefore, contacting a long-term disability lawyer to help with your Friendswood, Texas LTD claim is beneficial.
CCK understands how challenging this process is and wants to help. We help our clients in several ways to fight for the benefits to which they are entitled. For example, all long-term disability insurance claims have strict filing deadlines. If you miss one of these deadlines, it can result in a denial of your claim and/or appeal. CCK can track these deadlines so that you do not have to, ensuring that your insurer receives everything on time.
Moreover, if you have a group policy, then ERISA likely governs it. If so, CCK’s ERISA attorneys will ensure that your claim is compliant with this law to ensure that your insurer gives your claim a fair review. Additionally, we can review and submit all documentation on your behalf, including all the claim forms. We can also determine, collect, and submit all evidence that demonstrates how your condition disables you.
CCK Can Collect and Submit All Evidence for Your Friendswood, TX Long-Term Disability Claim
Claimants must submit evidence to the insurance company. This evidence should demonstrate how their condition impairs them per their LTD policy’s specific definition of disability.
Medical records are most claimants’ primary source of evidence. Yet some claims require additional proof. CCK can collect and submit this supplemental evidence, which can include:
- Specialized reports from treating physicians: Your doctors have unique insights into how your condition impairs you. Medical records do not always tell the whole story, so a specialized report can strengthen your claim for LTD benefits. A treating physician can write such a report that highlights key aspects of your disabling condition.
- Witness statements from family, friends, and co-workers: Others often see how your condition affects you. Obtaining official witness statements from these individuals can bolster your claim. For example, family and friends can attest to how your condition impairs you at home, and co-workers can vouch for how your condition renders you unable to work.
- Additional medical and vocational evaluations: Insurance companies prefer objective evidence. CCK works with several outside experts who can provide your claim with such proof. Supplemental evaluations can include neuropsychological and vocational assessments.
We Can Alleviate the Stress of Dealing with the Insurance Company
The disability rate in Friendswood, TX is 4.7 percent. If you live in Friendswood with a disabling condition that is preventing you from working, you may require LTD benefits.
Many individuals may need to file a disability claim with an insurance company like Unum or Humana. However, such companies deny a multitude of LTD claims every year. This stems from their prioritization of their financial needs more than anything else. When you submit a claim and/or appeal with your insurer, they will scrutinize it. In other words, if they can find a reason to deny your claim, they will.
The long-term disability lawyers at Chisholm Chisholm & Kilpatrick have over 30 years of combined experience dealing with such companies and know how they operate. We help our clients deal with their insurers so that they may focus on what matters most: their health.
As such, CCK can act as a point of contact between you and your insurer. In other words, all correspondence must pass through us first. Additionally, we can submit all documentation and evidence on your behalf so that you do not have to deal directly with the insurance company. If filing an appeal, our team can review your insurer’s denial letter; request your claim file from them; and submit a comprehensive appeal on your behalf.
Moreover, if the insurance company approved your claim and began paying you your benefits only to later terminate them, we may be able to help. The wrongful termination of benefits happens often, and CCK is prepared to hold these insurance companies accountable.
Call CCK Today for a Free Case Evaluation
Our team understands how challenging receiving long-term disability insurance benefits is. We believe you should not have to worry about receiving these benefits. CCK can take care of your claim or appeal regardless of where you are in the process. Additionally, if you must file a lawsuit in court, CCK may also be able to represent you during litigation.
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.
Friendswood Blog Posts
- Tips for Completing Your Long-Term Disability Claim and Update Forms
When filing a long-term disability (LTD) claim, you must submit claim forms. Additionally, insurance companies often require “update forms” throughout the process. In either case, it is important to fill these documents out fully and accurately. This article will discuss what these forms are, and we will explore some tips that can help you as […]
- Long-Term Disability Waiting Period: What to Expect
Obtaining long-term disability benefits is often challenging. Insurance companies, such as Humana or New York Life, deny disability claims often. Moreover, these policies also include a waiting period during which you are unable to receive benefits. It is important to thoroughly read your policy to know exactly how long this period lasts so that you […]
- Independent Medical Exams (IME) for Long-Term Disability Claims
Filing for long-term disability benefits is often stressful for insured employees who develop a debilitating medical condition. There is a myriad of issues they may face, including the waiting period; the maximum benefit period, and others. One of the most common issues that LTD claimants face is when their insurer requests they attend an independent […]