Long-Term Disability Lawyer Serving League City, TX
Developing a medical condition that prevents you from working for an extended period is stressful. You may begin wondering how you can pay for all your medical bills and daily expenses. In such situations, you may need to consider filing for long-term disability (LTD) benefits. These benefits can protect a percentage of your pre-disability earnings — typically 60 to 80 percent. A long-term disability lawyer serving League City, TX from CCK can help you no matter where you are in the process.
Obtaining long-term disability benefits can be difficult, however. Insurance companies routinely deny claims. Yet all claimants have the right to appeal their insurer’s decision. Call an experienced Texas long term disability attorney 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
Filing a claim for long-term disability insurance benefits can be challenging. A claimant must submit to the insurance company a notice of claim, claim forms and documentation, and evidence, including medical records. This can become overwhelming, especially when so many claims receive denials. Some claimants may decide to handle their cases on their own, but this can lead to detrimental mistakes.
Luckily, this is not a process you must do on your own. Consulting a long-term disability lawyer for your League City, Texas LTD claim is beneficial. This area of law can be complex, and you do not want to commit a minor mistake that could cost you your benefits. CCK understands this and wants to help.
We help our clients in a myriad of ways. For example, we can track all filing deadlines to ensure your insurer receives everything they request on time. Further, we can review and submit all documentation and evidence on your behalf and ensure that your claim is compliant with ERISA. In short, we can guide you at every point in the claims and appeals process, from the initial claim through litigation.
CCK Can Collect and Submit Evidence for Your League City, TX Long-Term Disability Claim
Medical records are most claimants’ primary source of evidence. Evidence is necessary to demonstrate how a person’s medical condition disables them per their policy’s definition of disability. However, some claims require supplemental evidence, which CCK can collect and submit on your behalf. Our team utilizes several forms of evidence, including:
- Specialized reports from treating physicians: Your doctors have unique insights into how your condition affects you. It is important to maintain open communication while receiving treatment so that your physicians can fully understand the extent of your condition’s disabling nature. A specialized report from your treating physicians can detail certain disabling aspects of your condition that your medical records do not.
- Witness statements from family, friends, and co-workers: Others often see how your condition impairs you. Obtaining official witness statements from these individuals can show how far-reaching your condition truly is. For example, family and friends can attest to how your condition impacts your private life, and co-workers can vouch for how you are unable to perform the duties of your job.
- Additional medical and vocational evaluations: CCK works with several outside experts who can provide your LTD claim with additional proof of your disability. Insurance companies prefer objective evidence, and these third-party experts can provide such proof. This evidence can include functional capacity tests, neuropsychological assessments, and vocational evaluations.
Chisholm Chisholm & Kilpatrick Can Help Alleviate the Stress of Dealing with the Insurance Company
The disability rate in League City, TX was 5.5 percent. As such, individuals in League City may face the reality of having to deal with an insurance company to receive monthly disability benefits. Unfortunately, it is often stressful dealing with such companies. These companies deny claims every year. In short, they prioritize their financial needs above everything else and will look for any reason to deny your claim.
Chisholm Chisholm & Kilpatrick’s long-term disability insurance team understands how frustrating these companies are. We have over 30 years of combined experience dealing with insurance companies, such as Unum, The Hartford, Prudential, and MetLife. If these companies can find a reason to deny or terminate your benefits, they will. CCK will hold them accountable.
Our team can act as a point of contact between you and your insurer. Such companies often incessantly ask for more information, but this correspondence will pass through us first. This will free up your time to focus on what matters most: your health. Moreover, we can submit all documentation and evidence to the insurance company on your behalf. If you must appeal a denial, CCK can review your denial letter; request and review your claim file from the insurance company; collect supplemental evidence; submit your appeal on your behalf; and, if necessary, litigate in court.
Call CCK Today for a Free Case Evaluation
If you are filing or appealing for long-term disability benefits in League City, TX, it is not something you must do alone. CCK has the experience necessary to help you at any stage of the process. Whether you have an individual or group policy, we can help fight for your right to your benefits.
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.
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- Why Do Insurers Deny Long-Term Disability Claims?
When a person develops a medical condition that impairs their ability to work, they want to know that they can turn to their long-term disability (LTD) benefits. Yet many insurance companies routinely deny LTD claims. This can make the possibility of receiving such benefits seem impossible. Unfortunately, insurance companies prioritize their financial needs often. These […]