By: Nelson Garcia, Attorney at Law
In any situation where there is a separation of the parents, the question of child custody becomes vitally important. There are two types of custody in Maryland: physical custody and legal custody. Physical custody involves spending time with the child and making decisions about his or her everyday needs. Legal custody involves the right to make long-term plans and decisions for the education, religious training, discipline, non-emergency medical care and other matters of major significance concerning the child’s welfare.
Employer-provided long-term disability (LTD) policies are governed by a federal law known as ERISA, the Employee Retirement Income Security Act. Under ERISA, disability applications are evaluated by claims administrators usually working for your insurance company.
