Long-Term Disability Lawyer Serving Houston, TX
Developing a medical condition that prevents you from working for an extended period of time is stressful. Long-term disability (LTD) benefits can help protect a percentage of your pre-disability earnings in such situations. A long-term disability lawyer serving Houston, TX from Chisholm Chisholm & Kilpatrick is ready to assist you at any point in the process.
Filing a long-term disability insurance claim with an insurance company can be frustrating. Such companies deny claims every year. Luckily, the LTD claims and appeals process is something you must handle on your own. Call an experienced Texas long term disability lawyer at CCK Law today at 800-544-9144 for a free case evaluation with a member of our team.
Consulting a Long-Term Disability Lawyer Is Beneficial for Your Claim
Claimants must collect and submit a myriad of documentation and evidence to receive long-term disability benefits. Some claimants decide to handle their long-term disability claims on their own. However, handling your LTD claim on your own can lead to common mistakes, and even a simple mistake could cost you your monthly disability benefits.
Therefore, it is beneficial to consult with a long-term disability insurance attorney who can help you navigate this often-complex process. If you have a group policy through your employer, then you need to be cognizant of ERISA law. ERISA claims have strict deadlines and regulations to which you must adhere, and an attorney from CCK serving Houston, Texas will ensure that your LTD claim is compliant.
Many conditions can qualify for long-term disability benefits under your insurance coverage, such as:
- Spinal stenosis,
- Multiple sclerosis, and
- Kidney disease.
Additionally, if you suffer from a spinal or brain injury and are unable to work, you may also qualify. Regardless of the condition from which you suffer, CCK can help. Our team can track all filing deadlines, review and submit all documentation, collect and submit evidence, handle your appeal, and more.
In short, we can handle your disability case at any stage of the claim process and free up your time so that you can focus on what matters most: your health. Our Houston office helps us serve the Houston area. We understand how time-consuming this process is and want to ease the burden for our clients who are filing a claim for disability benefits.
CCK Can Collect and Submit Evidence for Your Houston, TX Long-Term Disability Claim
Insurance companies require evidence from claimants that must demonstrate that their condition meets their policy’s definition of disability. Medical records are most claimants’ primary source of evidence. However, some LTD claims require supplemental evidence too. CCK can determine, collect, and submit all evidence on behalf of the claimant. Our team utilizes several forms of evidence, including:
- Specialized reports from treating physicians: Medical records do not always adequately demonstrate how your condition disables you. Thus, obtaining a specialized report from your treating physicians can bolster your claim for LTD benefits. Your doctors have unique insights into how your illness affects you, and a specialized report can highlight key aspects of your condition that show your need for benefits.
- Witness statements from family, friends, and fellow employees: Others often see how your condition impairs you. For example, family and friends can attest to how your health condition affects you at home, and fellow employees can explain how your condition prohibits you from working. Acquiring official witness statements from these individuals can strengthen your claim.
- Additional medical and vocational evaluations: Insurance companies prefer objective evidence. Our law firm works with several third-party experts who can conduct additional medical and vocational evaluations. These evaluations can provide your LTD claim with much-needed objective evidence that shows how your health condition impairs you. Such evaluations can include functional capacity tests and neuropsychological assessments.
Chisholm Chisholm & Kilpatrick Can Help Alleviate the Stress of Dealing with the Insurance Company
The disability rate in Houston, TX was 6.8 percent. If you live in Houston and have a disabling condition that prevents you from working, you may have to also deal with your insurer to obtain long-term disability benefits. CCK’s long-term disability attorneys have over 30 years of experience going up against big-name insurance companies, such as:
- Humana
- Aetna
- MetLife
- CIGNA
These disability insurance carriers should handle every claim neutrally, but this is often not the case. Instead, they may conduct surveillance on claimants; require them to file for social security disability insurance benefits; incessantly ask for more information, such as additional forms; request claimants attend independent medical exams (IMEs); and more. In other words, if an insurance company can justify denying LTD benefits, they will.
Chisholm Chisholm & Kilpatrick’s team of experienced attorneys can help you if you were denied long-term disability benefits. Under ERISA, you typically have 180 days to file an appeal. During this time, CCK can review your denial letter, request and review your claim file, collect any additional evidence as necessary, and submit a comprehensive appeal on your behalf. The appeal process is a crucial time for your claim, and we want to help.
Moreover, in some cases, claimants may need to file a lawsuit in state or federal court, depending on their specific policy. In these instances, CCK may be able to offer legal representation and help you litigate in court, which is often a long and arduous process.
Call CCK for a Free Case Evaluation
The legal team at CCK understands how frustrating it can be to obtain the monthly benefits to which you are entitled. If you have long-term disability coverage and are filing a claim or appealing a denial, then we may be able to help. An LTD claims attorney from CCK serving Houston, TX with extensive knowledge of disability laws governing such claims is prepared to review your case.
Call us today at 800-544-9144 for a free case evaluation. Our experienced team will analyze your case and determine if we can assist you.
Houston Blog Posts
-
Long-Term Disability (LTD) Claims for Traveling Sales ConsultantsOccupations that involve frequent traveling can be both mentally and physically demanding, so a disability can greatly impact your ability to complete your job. As such, it is a prospect that traveling sales consultants do not want to experience. Managing your health should be your topmost priority, so when you must file a disability claim, […]
-
Navigating Your Long-Term Disability (LTD) Insurance Claim Through the COVID-19 PandemicThis is an unprecedented time in our lives and many people are facing uncertainty, whether it be professionally, financially, or medically. We have needed to adjust rapidly to changing circumstances, frequently and with little warning. While the current situation is challenging for everyone, it can be especially difficult if you are medically unable to work. […]
-
Long-Term Disability (LTD) Claims for ConsultantsConsultants form a large part of the workforce, and their specialties span several industries. As such, when a consultant develops a health condition that prevents them from working, they may need to file a long-term disability (LTD) claim. However, this process can sometimes seem impossible to overcome. In this article, we will answer some of […]