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Long-Term Disability Lawyer Serving Leander, TX

It is stressful when you develop a medical condition or suffer an injury that prevents you from working for an extended period.  If you have a long-term disability (LTD) insurance policy, you must consider filing for such disability benefits.  However, securing these benefits in Leander, TX can be challenging.

Insurance companies deny many LTD claims every year in Texas, and it can be disheartening to receive such a denial.  However, you have the right to appeal.  This is not something you must do on your own.  An experienced long-term disability lawyer serving Leander, TX from CCK can help you at any stage of the process.  Call CCK today at 800-544-9144 for a free case evaluation.

Consulting a Long-Term Disability Lawyer is Beneficial for Your Claim

The long-term disability claims and appeals process is complex and often frustrating.  There is a myriad of paperwork and evidence that one must collect and submit to the insurance company.  Yet the insurance company may still deny your claim.

Additionally, disability laws can be difficult to understand if you are not familiar with them, especially the federal law ERISA which governs most group policies.  Claimants may try to handle their LTD claims on their own, but they are more apt to make common mistakes that could derail their claim for benefits.

The ERISA attorneys in Texas at CCK Law can help claimants at any stage of the LTD process and can help them avoid these missteps and increase the likelihood of success.  Some of the ways in which we help our LTD clients in Leander, TX include:

  • Reviewing and submitting all documentation, including the claim forms;
  • Collecting and submitting all evidence;
  • Acting as a point of content between claimants and their doctors to obtain important medical records that can serve as evidence;
  • Tracking all filing deadlines;
  • Ensuring all group claims are compliant with ERISA;
  • And more.

The disability rate in Leander, TX is 6.3 percent.  As such, these Leander individuals may need to file or appeal for long-term disability benefits.  CCK is prepared to help shoulder the burden of this process so that these individuals can focus on what matters most: their health.

CCK Can Collect All Evidence for Your Leander, Texas LTD Claim

Every LTD insurance policy contains a definition of disability.  All claimants must prove to the insurance company that their condition disables them per this definition.  Medical records are most claimants’ primary source of evidence, but some claims require supplemental evidence too.  CCK can collect this evidence and submit it on your behalf to your insurer.  This evidence can include:

  • Specialized reports from treating physicians: Your doctors have unique insights into how your condition impairs you. Therefore, it is vital to maintain an open dialogue about your condition with them during treatment.  This ensures that they can fully elaborate upon the reasons you require LTD benefits, which they can mention in a specialized report.
  • Witness reports from family, friends, and co-workers: Others often see how your condition impacts your life. Family and friends see how your condition impairs you at home, and co-workers see how it prevents you from working.  Witness statements from these individuals can bolster your claim.
  • Additional medical and vocational evaluations: CCK works with several outside experts who can provide your claim with objective evidence. This includes functional capacity tests, neuropsychological assessments, and vocational evaluations.

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

A long-term disability lawyer serving Leander, TX from CCK understands how frustrating dealing with the insurance company is.  Such companies should handle every claim neutrally, but this is not the reality most LTD claimants experience.  Instead, these companies frequently prioritize their financial needs, which leads to denials.  Moreover, companies — like Unum and Aetna — may incessantly ask for more information, surveil claimants, monitor claimants’ social media accounts, and more.

CCK understands how difficult this all is and wants to help.  We have been helping long-term disability claimants for over 20 years go up against these big-name insurance companies.  Our goal is to alleviate the stress of dealing with the insurance company while also increasing the chances of receiving a favorable decision and avoiding litigation.

Some of the ways we help clients deal with the insurance company include acting as a point of contact; reviewing the denial letter and addressing any issues mentioned therein; requesting the claimant’s claim file from the insurance company and reviewing it; submitting everything to the insurance company on behalf of the claimant; and submitting a comprehensive appeal that demonstrates why the claimant needs monthly disability benefits.

Call Us Today for a Free Case Evaluation

Obtaining long-term disability benefits in Leander, TX can be difficult, but it is not something you must do on your own.  A long-term disability lawyer from CCK can help you at any stage of the process.

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.