Long-Term Disability Lawyer Serving Texas

When you develop a medical condition that prevents you from working, you must consider filing for long-term disability (LTD) benefits.  However, obtaining these benefits is often a challenge.  Insurance companies routinely deny LTD claims in Texas.  Luckily, this is not a process you must handle on your own.

A long-term disability lawyer serving Texas from CCK is ready to assist you at any stage of the LTD claims and appeals process.  We understand how frustrating this process is and want to help.  Call us today at 800-544-9144 for a free case evaluation with a member of our team and see if we can assist you.

A Long-Term Disability Lawyer Is Beneficial for Your Claim

The disability rate in Texas is 11.8 percent, which is one of the highest totals in the United States.  As such, many individuals will find it necessary to file a claim for monthly disability benefits with an insurance company.  Some claimants may decide to handle their claims on their own.  However, when a person handles a claim on their own, they are more apt to make mistakes that could derail their entire claim.  Thus, consulting with a long-term disability lawyer serving Texas is beneficial for your claim.

CCK has been helping LTD claimants for over 20 years obtain the benefits that they need.  Our offices in Texas allow us to help individuals across the state who require assistance with filing a claim, appeal, or lawsuit for disability benefits.  We know how insurance companies operate and can help you navigate this often-complex process.

Some of the ways in which we help our clients include tracking all filing deadlines; ensuring all group policy claims are compliant with ERISA; collecting and submitting all evidence; acting as a point of contact between you and your doctors to collect important medical evidence; and more.  We want to alleviate the stress that comes with getting long-term disability benefits in Texas, so we are prepared to help you no matter where in the claims and appeals process you are.

CCK Can Collect and Submit All Evidence Necessary for Your Texas LTD Claim

Medical records are often claimants’ primary source of evidence when they are submitting a claim for disability benefits.  Insurance companies prefer such objective evidence, but some claimants may require supplemental evidence to prove they need benefits.  CCK can determine, collect, and submit all such evidence on your behalf.  The evidence we can collect includes:

• Specialized reports from treating physicians: Your doctor has unique insights into how your condition affects you. When you are receiving treatment for your medical condition, it is best to maintain an open dialogue with your doctor so that they know the full extent of your condition’s effect on you.  Your treating physician can highlight key disabling aspects of your condition that ordinary medical records do not.
• 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 LTD claim in Texas.  For example, family and friends can vouch for how your condition affects you at home, and co-workers can attest to how you are unable to perform the duties of your job in the workplace.
• Additional medical and vocational evaluations: CCK works with several outside experts who can provide your claim with additional medical and vocational evaluations. These evaluations can strengthen your claim.  Such experts can supply your claim or appeal with functional capacity tests; neuropsychological assessments; and vocational evaluations.

Several Conditions Can Disable You from Performing the Duties of Your Job

Several conditions can affect your ability to perform the duties of your job in Texas.  However, it is important to note that it is not the condition itself that qualifies for long-term disability insurance benefits but how the condition disables you per the definition of disability present in your insurance policy.  CCK can help you determine if you may qualify for such benefits and, if so, can help you craft a strong claim for benefits.

Examples of common medical conditions that can disable a worker include:

• Osteoarthritis;
• Kidney disease;
• Dementia;
• Multiple sclerosis;
• Sleep apnea;
• And others.

In short, if you have a medical condition that prevents you from performing the occupational duties of your job, then you may qualify.  CCK has obtained benefits for hundreds of claimants over the years for a wide range of medical conditions.  If you are unsure about your claim, you can reach out to us at 800-544-9144 for a free case evaluation with a member of our team.

Chisholm Chisholm & Kilpatrick Can Alleviate the Stress of Dealing with the Insurance Company

Insurance companies deny a multitude of long-term disability claims every year in Texas.  While these companies should handle every claim neutrally, this is often not the reality that disability claimants face.  It can be disheartening to receive a denial of an LTD claim.  Moreover, it can be stressful when you are trying to manage your condition and your insurer begins requesting additional information about your condition; delays issuing a decision on your claim; or denies or terminates your benefits.  Luckily, this is not something you must handle on your own in Texas.

Chisholm Chisholm & Kilpatrick has gone up against the biggest insurance companies in the United States, such as Unum, Aetna, Prudential, and MetLife.  These companies do not want to pay LTD claims if they can help it.  Often, they surveil claimants to find discrepancies that can justify the issuance of a denial.  CCK does not believe you should have to face these big insurance companies on your own.  We have over 30 years of combined experience dealing with such companies and know what they look for in a successful claim.

Our team can act as a point of contact between you and your insurer.  This ensures that all communication passes through us first, which frees up your time to receive the treatment you need to get better.  Additionally, we can review your denial letter; collect supplemental evidence as necessary during the administrative appeal stage; request and review your claim file; litigate in court when necessary; and more.

Contact CCK Today for a Free Case Evaluation

Obtaining long-term disability benefits can be difficult, but we may be able to help you.  A long-term disability lawyer serving Texas is ready to help you at any stage of the claims and appeals 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.