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Long-Term Disability Lawyer Serving Schertz, TX

When a person develops a medical condition that prevents them from performing the duties of their occupation, then they must consider filing for long-term disability (LTD) benefits.  These benefits can protect a percentage of their pre-disability earnings.  However, obtaining such benefits in Schertz, TX can be challenging.

Often, insurance companies deny LTD claims.  This can be disheartening, but you do not have to do this alone.  A long-term disability lawyer serving Schertz, TX from CCK Law can help you at any stage of the long-term disability claims and appeals process.  Call CCK today at 800-544-9144 for a free case evaluation.

Consulting a Texas Long-Term Disability Lawyer for Your Claim Is Beneficial

Filing or appealing for LTD benefits is stressful and complex.  Some claimants may decide to handle their claims on their own.  However, disability laws, such as ERISA, can be arduous to navigate.  Further, mistakes — even minor ones — could cost you your benefits.  Therefore, it is beneficial to consult with an experienced long-term disability lawyer in Texas who can help you with your claim.  CCK has been helping LTD claimants for over 20 years and can help you navigate this complex process.

Whether you are suffering from a condition that impairs your cognitive or physical abilities, CCK is prepared to help.  Some of the ways we help our clients include acting as a point of contact between them and their doctors, ensuring all group policies are compliant with ERISA, tracking all filing deadlines, reviewing and submitting all documentation, and more.

Additionally, once you submit your initial claim, the insurance company begins reviewing your documentation and evidence.  They may request you attend an independent medical exam (IME).  We advise our clients what to do in these situations, and we prepare them for any tactics their insurer may use to delay or deny their LTD claim.

CCK Can Gather and Submit All Evidence for Your Schertz, Texas LTD Claim

Medical records are often claimants’ primary source of evidence to prove they meet their policy’s definition of disability.  Some claimants may require additional evidence, however.  CCK can collect and submit this supplemental evidence, including:

  • Specialized reports from treating physicians: Your doctors have unique insights into how your condition impacts you. Thus, maintaining an open dialogue with them during treatment is crucial.  A specialized report 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, both at home and in the workplace. Official witness statements from these individuals can help reinforce your long-term disability claim and show how far-reaching and debilitating it truly is.
  • Additional medical and vocational evaluations: CCK works with several outside experts who can supply your LTD claim with important objective evidence. This can include 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 Schertz, TX is 8.4 percent.  As such, individuals in Schertz may face the reality of dealing with an insurance company.  These insurance companies should handle every LTD claim neutrally.  However, this is often not the reality claimants face.  Instead, these companies routinely delay and deny claims due to prioritizing their financial needs more than anything else.  CCK understands how frustrating this is.  For over 20 years, our team has gone up against all the big-name insurance companies, such as:

  • Aetna
  • Mass Mutual
  • Unum
  • Prudential
  • The Hartford

These companies complicate an already complicated claims and appeals process.  Often, such companies surveil claimants; monitor their social media accounts; conduct file reviews; incessantly request more information; and more.  However, our team can alleviate the stress of dealing with them so that you may focus on what matters most: your health.

Some of the ways we alleviate this stress include acting as a point of contact between you and your insurer; reviewing your insurer’s denial letter; requesting and reviewing your claim file; litigating in court when necessary; collecting and submitting all documentation and evidence on your behalf; and more.  We hold these insurance companies accountable, and we fight for your right to your benefits.

Reach Out Today for a Free Case Evaluation

The long-term disability claims and appeals process can be overwhelming.  Yet these monthly disability benefits are important.  CCK’s LTD insurance attorneys understand how frustrating and overwhelming it can be and want to assist you.

Call us today at 800-544-9144 for a free case evaluation with a member of our team serving Schertz, TX.  We will analyze your case and determine if we can assist you.