Long-Term Disability Lawyer Serving San Antonio, TX
When a person develops a medical condition or suffers an injury that renders them unable to work, then they must consider filing for long-term disability (LTD) benefits. For those living in San Antonio, TX, this can be an overwhelming process, especially when they must deal with an insurance company. However, this is not a process one must do on their own.
A long-term disability lawyer serving San Antonio, TX from CCK is prepared to help you at any stage of the claim and appeal process. Insurance companies deny numerous claims every year, so having an experienced attorney is beneficial for your claim. Call CCK today at 800-544-9144 for a free case evaluation with a member of our team.
A Long-Term Disability Lawyer Is Beneficial for Your San Antonio, TX Claim
When a person in San Antonio, Texas must file a long-term disability claim, they must submit documentation and evidence. Additionally, they must deal with the insurance company. All this can become overwhelming, especially when simultaneously managing their health condition. Some claimants may decide to handle their LTD claim on their own, but this is not always the best option.
Luckily, this is not a process you must do on your own. Consulting an experienced long-term disability insurance attorney is beneficial for your claim. Our law firm has offices in Texas and can serve San Antonio residents who must file for long-term disability benefits. Some of the ways we help our clients include:
- Submitting the initial claim with the insurance company;
- Reviewing and submitting all documentation, such as the claim forms;
- Tracking all filing deadlines;
- Ensuring that all applicable claims are compliant with ERISA; and
- Collecting and submitting evidence that demonstrates their condition meets the definition of disability present in their LTD insurance policy.
Whether you are suffering from a condition that impairs your cognitive abilities (e.g., sleep apnea) or your physical abilities (e.g., spinal stenosis), CCK can help. We have over 30 years of combined experience helping clients with various conditions receive the benefits they deserve.
CCK Can Collect and Submit All Evidence for Your LTD Claim
CCK’s experienced attorneys serving San Antonio, TX can help you collect and submit all evidence for your claim. Evidence is necessary to prove that your condition meets your policy’s definition of disability. Some claims may require supplemental evidence, which we can gather too. Such evidence we gather can include:
- Specialized reports from your treating physicians: Your doctor has unique insights into how your condition impairs you. Ordinary medical records often do not tell the entire story about your disability. Thus, your doctor can write a report highlighting key disabling aspects of your condition, which can bolster your LTD claim.
- Witness reports from family, friends, and co-workers: Others often see how your condition affects you and can vouch for your inability to work. For example, friends and family see how your condition impairs you in your private life, and co-workers can attest to how your condition prohibits you from working.
- Additional medical and vocational evaluations: CCK works with several outside experts who can provide your claim with much-needed objective evidence. Such experts can provide vocational evaluations, neuropsychological assessments, functional capacity tests, and more.
Chisholm Chisholm & Kilpatrick Can Alleviate the Stress of Dealing with the Insurance Company
The disability rate in San Antonio, TX is 11.3 percent. If you have a disabling condition that is affecting your work, you may face the reality of having to file for long-term disability benefits. Insurance companies, however, do not want to approve these claims and often deny them. Such companies use tactics like surveillance or file reviews to discover reasons to issue denials. Dealing with these insurance companies can be stressful, but Chisholm Chisholm & Kilpatrick can help.
Our team has experience going up against all the big-name insurance companies that administer long-term disability insurance policies. Companies such as:
- Liberty Mutual
As such, we know what they look for in a successful claim. Moreover, we can alleviate the stress of dealing with them directly during the LTD claims and appeals process. We can act as a point of contact between you and your insurer. In other words, all correspondence must pass through us first.
Additionally, we can handle all aspects of your long-term disability appeal. CCK can review your denial letter, request and review your claim file, collect any supplemental evidence that might be necessary, and submit a comprehensive appeal to the insurance company on your behalf. If the insurance company denies your appeal(s), we may also be able to represent you during litigation.
Call Today for a Free Case Evaluation
CCK understands how frustrating it is trying to acquire long-term disability benefits in San Antonio, TX, and wants to help. Our ERISA attorneys 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 help.
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