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Long-Term Disability Lawyer Serving Grapevine, TX

Developing a medical condition that disables you from working for an extended period is stressful.  If you have a long-term disability (LTD) insurance policy in Grapevine, TX, then you must consider filing for these benefits to protect your income.  However, obtaining these crucial monthly disability benefits can be challenging.

Insurance companies, such as Unum or Aetna, deny many LTD claims every year.  It can be disheartening when a claimant receives such a denial.  Yet this is not a process you must handle on your own.  A long-term disability lawyer serving Grapevine, TX from CCK can help.  Call CCK today at 800-544-9144 for a free case evaluation.

Contacting a Long-Term Disability Lawyer for Your Grapevine, TX Claim Is Beneficial

The disability rate in Grapevine, TX was 5.4 percent.  As such, many individuals may face the reality of needing long-term disability benefits.  To acquire these benefits, a person must file a claim with their insurer.  However, this process is complex.  There is a myriad of paperwork and evidence that the insurance company requires.  Moreover, there are strict filing deadlines; a missing deadline could lead to a denial of a claim and/or appeal.  The experienced Texas long term disability attorneys at CCK Law understands this and wants to help.

CCK has been helping long-term disability clients for over 20 years obtain the disability benefits they deserve.  We have extensive experience with ERISA and will ensure that your policy is compliant with this strict federal law.  Other ways we help LTD clients include:

  • Reviewing and submitting all documentation, including the claim forms;
  • Collecting and submitting all evidence;
  • Acting as a point of contact between our clients and their doctors to obtain crucial medical records;
  • Handling all aspects of the administrative appeal; and
  • Advising claimants who must attend an independent medical exam (IME).

In short, we can help you with all aspects of your claim.  CCK does not believe you should have to worry about obtaining these all-important disability benefits and instead should be focusing on what matters most: your well-being.

CCK Can Collect and Submit All Evidence for Your LTD Claim

Every long-term disability insurance policy contains a definition of disability.  All LTD claimants must prove that their condition disables them per their policy’s specific definition.  Therefore, you must submit evidence of your condition to your insurer.  Many claimants’ primary source of evidence is their medical records.  However, some claimants require supplemental proof.  CCK can collect and submit all such evidence for your claim, including:

  • Specialized reports from your treating physicians: Your doctors have unique insights into how your condition affects you. It is important to maintain open communication with them while you receive treatment so that they may fully understand how your condition impacts your life.  A specialized report from your physician(s) can highlight key disabling aspects that your medical records do not.
  • Witness statements from family, friends, and co-workers: Others often see how your condition affects you. Family and friends can explain how your condition impairs you at home, and co-workers can attest to how you are unable to perform the duties of your job.  These statements can bolster your claim for LTD benefits.
  • Additional medical and vocational evaluations: Some claims require additional objective evidence. CCK works with several outside experts who can provide your claim with such proof.  This can include functional capacity tests, neuropsychological assessments, and vocational evaluations.

CCK Can Alleviate the Stress of Dealing with the Insurance Company

Insurance companies should handle every long-term disability claim neutrally in Grapevine, Texas.  However, this is often not the case.  Instead, such companies routinely prioritize their financial needs over the needs of LTD claimants.  If you have an ERISA-governed claim, then you may not sue for such bad faith practices.  Additionally, your insurer may incessantly request more information from you to delay the process; surveil you in public; and monitor your social media accounts.  In other words, if they can find a reason to deny your claim, then they will.

CCK understands how stressful dealing with the insurance company is and wants to help.  Our team can act as a point of contact between you and your insurer.  In other words, all correspondence must pass through us first.  This frees up your time to focus on managing your condition.

If your claim receives a denial decision by the insurance company, then you have the right to appeal.  CCK has extensive experience helping clients with their administrative appeals.  We can review your insurer’s denial letter, request and review your claim file, collect additional evidence as necessary, and submit a comprehensive appeal on your behalf.  We dedicate a lot of time and effort to each of our clients—our goal is to alleviate the stress of the claims and appeals process while also increasing the likelihood of success.

Call Today for a Free Case Evaluation

Obtaining long-term disability benefits in Grapevine, TX is difficult.  CCK understands and wants to help.  Our team works diligently for every LTD claimant who comes to us.  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.