Long-Term Disability Lawyer Serving Missouri City, TX
When you develop a medical condition that prevents you from working for an extended period, then you must consider filing for long-term disability (LTD) benefits. These benefits can protect a percentage of your pre-disability earnings in Missouri City, TX. However, obtaining these all-important disability benefits is often challenging.
Insurance companies deny numerous claims every year. As such, it can be a difficult and overwhelming process. Luckily, it is not a process one must traverse alone. A long-term disability lawyer serving Missouri City, TX from CCK can help you at any stage of the claims and appeals process. Call us today at 800-544-9144 for a free case evaluation with a member of our team.
Consulting a Long-Term Disability Lawyer Can Be Beneficial for Your Claim
Many medical conditions can disable a person. Conditions such as multiple sclerosis, sleep apnea, Crohn’s disease, and others can all sideline a person. If you have a long-term disability insurance policy, then you must consider filing a claim with your insurer. However, this process is complex. Managing your condition and filing for benefits can be an arduous task, but it is not one you must handle on your own.
Consulting a Texas long-term disability lawyer can be beneficial for your claim because they will understand how to navigate the claims and appeals process. Further, they can evaluate your policy and help you determine, collect, and submit the best evidence to support your claim and prove your condition meets your definition of disability. CCK can handle this for you and ensure that your insurer receives everything on time.
Other ways we help our LTD clients include tracking all deadlines, reviewing and submitting all documentation, handling all aspects of your appeal, litigating in court, and more. In short, it does not matter where you are in the process. CCK has the experience necessary to fight for your benefits so that you can focus on what matters most: your health.
CCK Can Collect and Submit All Evidence for Your Missouri City, TX Long-Term Disability Claim
When submitting an LTD claim, you must submit evidence to the insurance company that demonstrates how your condition prevents you from working. Medical records are most claimants’ primary source of evidence. However, some claims require supplemental evidence, which CCK can collect and submit on your behalf. We utilize various forms of evidence, such as:
- Specialized reports from treating physicians: Your doctors have unique insights into how your condition impairs you. Thus, it is important to maintain an open dialogue with your physicians while receiving treatment so that they may fully understand how debilitating your condition truly is. A specialized report from your doctors can highlight key disabling factors of your condition that ordinary medical records do not.
- Witness reports from family, friends, and co-workers: Others often see how your condition affects you. For example, family and friends can vouch for how your condition impairs you in your private life, and co-workers can attest to how you are unable to work in the workplace. Official witness statements from these individuals can reinforce your LTD claim.
- Additional medical and vocational evaluations: Some claims require additional medical and/or vocational evidence. CCK works with several third-party experts who can provide your claim with proof such as functional capacity tests, neuropsychological assessments, and vocational evaluations.
Chisholm Chisholm & Kilpatrick Can Alleviate the Stress of Dealing with the Insurance Company
The disability rate in Missouri City, TX is 5.9 percent. As such, many individuals in Missouri City may face the reality of having to file a disability claim with an insurance company. Yet these companies do not want to approve claims if they can help it. Often, they surveil claimants to find a reason to justify a denial. They may incessantly ask claimants for more information regarding their claim; request claimants attend independent medical exams with doctors that they pay for; monitor claimants’ social media platforms; delay issuing a decision on the initial claim; and more. This is stressful, and CCK understands this.
Therefore, CCK works hard to alleviate the stress that comes with dealing with an insurance company. CCK has gone up against all the big-name insurance companies, like Unum and Prudential, and knows how they operate. We hold these insurance companies accountable and fight for your benefits.
Some of the ways we help alleviate the stress of dealing with the insurance company include being a point of contact between you and them, submitting all documentation and evidence on your behalf, and tracking all filing deadlines so that they receive everything they request on time.
Call Today for a Free Case Evaluation
CCK understands how stressful it is to file for long-term disability benefits. Our office in Texas helps us serve the residents of Missouri City. If you need assistance with your claim, CCK may be able to help.
Call CCK today for a free case evaluation. A member of our team will analyze your case and determine if we can assist you.
Missouri City Blog Posts
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The Value of Vocational Evidence in Long-Term Disability ClaimsWhen filing for long-term disability (LTD) benefits, the burden of proof is upon the claimant. Thus, it is the responsibility of the LTD claimant to submit evidence that proves that their condition meets the definition of disability within their policy. Many claimants focus on the medical evidence they must supply, but the value of vocational […]
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What Is ERISA Litigation?The process to obtain long-term disability (LTD) benefits is comprised of three primary stages: the initial claim; the administrative appeal; and litigation. When an insurance company or other claim administrator denies an appeal, the claimant may file a lawsuit as a next step. In short, ERISA litigation is the process whereby a claimant files a […]
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Effective Communication and Long-Term Disability ClaimsLong-term disability insurance can be purchased by individuals or can be received through your employer. If you lose income due to a covered disability, long-term disability insurance will replace all or some of your income and may provide other benefits. In order to receive these benefits, you must file a claim with your insurer. This […]