Long-Term Disability Lawyer Serving Round Rock, TX
Developing a medical condition or suffering an injury that renders you unable to work is stressful. However, you may have a long-term disability (LTD) insurance policy that can protect a percentage of your pre-disability earnings when you cannot work for an extended period. If so, then you must consider filing for these important monthly benefits in Round Rock, TX.
However, obtaining these benefits can be a challenge. Insurance companies deny LTD claims every year in Texas. Luckily, this is not a process you must do on your own. A long-term disability lawyer serving Round Rock, TX from CCK can help you at any stage of the process. Call us today at 800-544-9144 for a free case evaluation.
Consulting with a Long-Term Disability Lawyer is Beneficial for Your Claim
Filing and/or appealing for LTD benefits can be overwhelming for many. There is a myriad of documentation and evidence one must procure and submit to receive benefits. Some claimants may decide to handle their cases on their own. This is not always advantageous since disability laws, such as ERISA, are complex and difficult to navigate without experience. Thus, a long-term disability lawyer can help you navigate this process to avoid missteps and increase your chances of receiving monthly benefits.
CCK has been helping long-term disability claimants fight for their benefits for over 20 years. Let our experience advocate for you. We help our LTD clients in Round Rock, TX in several ways, including:
- Reviewing and submitting all documentation;
- Collecting and submitting all evidence;
- Acting as a point of contact between the claimant and their doctors to obtain important medical records that can serve as evidence;
- Tracking all filing deadlines;
- Ensuring all group policies are compliant with ERISA;
- And more.
In short, our goal is to shoulder the burden of filing or appealing for disability benefits so that you may focus on what matters most: managing your condition.
CCK Can Collect and Submit All Evidence Necessary for Your Round Rock, TX Disability Claim
Every long-term disability insurance policy contains a definition of disability. You must prove that your condition disables you per this definition. Thus, you must submit evidence to the insurance company. Most claimants rely on their medical records, but some claims require supplemental evidence. CCK utilizes several forms of evidence and can collect and submit it on your behalf, including:
- Specialized reports from treating physicians: Your doctors have unique insights into how your condition affects you. Thus, maintaining open communication with them about your condition as you receive treatment is important. This allows them to fully understand the disabling aspects of your condition. A specialized report can highlight these aspects of your condition while ordinary 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 help reinforce your claim by showing how far-reaching it is. For example, family and friends can attest to how your condition impacts your private life, and co-workers can explain 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 objective evidence. This evidence can include functional capacity tests, neuropsychological assessments, and vocational evaluations.
Let Us Alleviate the Stress of Dealing with the Insurance Company
The disability rate in Round Rock, Texas is 7.7 percent. As such, many residents of Round Rock may find themselves filing a claim for LTD benefits with an insurance company, such as Aetna or Unum. However, such companies do not make the process easy. While every insurer should handle every long-term disability claim neutrally, this is not often the reality claimants experience. Instead, such companies prioritize their own financial needs and deny numerous claims. CCK can help you go up against these insurance companies.
It is stressful dealing with the insurance company. Often, they conduct surveillance on claimants; monitor claimants’ social media accounts; delay the process by requesting more information; and more. CCK understands how frustrating this is and wants to help.
Our team holds these insurance companies accountable and can help alleviate the stress of dealing with them. Some of the ways we can alleviate this stress include acting as a point of contact; reviewing the denial letter; requesting your claim file from them; submitting all documentation, evidence, and appeals on your behalf; litigating in court when necessary; and more. In short, we can handle all aspects of the LTD claims and appeals process, which frees up your time to focus on your health.
Reach Out Today for a Free Case Evaluation
Obtaining your Round Rock, TX long-term disability benefits can be a challenge, but it is not something you have to handle on your own. Our attorneys are well-versed in ERISA and other disability laws and can help you no matter where you are in the process.
Call CCK today at 800-544-9144 for a free case evaluation. A member of our team will analyze your case and determine if we can assist you.
Round Rock Blog Posts
- How to Get Long-Term Disability Benefits
Nobody wants to think about becoming disabled. However, it is important to consider what to do if such an event were to occur. How would you pay your day-to-day expenses when you are unable to work? Getting long-term disability (LTD) benefits is key to managing your health while not worrying about your income. Many may […]
- How to Apply for Long-Term Disability (LTD) Benefits
Many employers offer long-term disability (LTD) coverage as a benefit to their employees. If you become unable to work due to a medical condition and you are covered under an employer-provided long-term disability plan, you should contact your human resources department to obtain a copy of your long-term disability plan’s governing documents so you can […]
- How Does Long-Term Disability Work With Social Security Disability?
Insurance companies typically aim to pay less out of their own pocket whenever possible. As a result, most long-term disability (LTD) policies will require you to apply for Social Security Disability Insurance (SSDI) benefits and, if you are approved for SSDI benefits, the insurance company will then look to offset your long-term disability benefits with […]