Disability Income Policies
We bring clarity to the complex.
Having an individual short term disability or long term disability policy in place can be a very valuable tool should you become unable to work due to an illness or serious injury. However, the contractual language employed in these policies is often drafted with terms that are open to multiple interpretations. Further, the application forms often have questions that can trip up both the claimant and the treating physician. This enables insurance companies to deny claims. To maximize your chances of winning, we strongly recommend that people making these claims seek the advice of experienced counsel before filing the claim, and before stopping work if at all possible. And, certainly, if the insurance company denies your claim, it is vital to obtain representation as soon as possible.
Get to know the benefits you’re entitled to.
Unlike Workers’ Compensation, short term disability and long term disability claims aren’t limited to injuries or illnesses suffered on the job. Short term disability coverage generally begins to pay a percentage of income after the employee’s sick leave has expired. In many cases, this payment period can extend anywhere from two months up to a year. Long term disability coverage will begin to pay out once sick leave and short term disability coverage have run their respective courses. Depending on your plan, this can extend for a number of years or until you’ve reached a specific age (most often your retirement age under the Social Security Act, which ranges from 65 to 67 depending on your date of birth). If you’re unable to work due to an illness or injury and are having difficulty receiving the benefits you’re due according to your disability policy, turn to the attorneys at Andalman & Flynn. We’ll decipher the complex details of your medical condition and the disability insurance policy and maximize your chances of winning the benefits that you paid premiums for.
Andlaman & Flynn’s talented disability benefits attorneys are here to help disabled policy holders locally and across the nation. Your best interests are always our primary focus. Please contact us today to schedule a consultation.
Schedule a Consultation
Client Testimonial – A Win From 1700 Miles Away
“Elliott, I am writing this letter to thank you and Zubaidah for the incredible job you did regarding my Federal Disability Retirement. After my initial application was denied I spent the better part of a day trying to locate an attorney in my area that would handle my case but everyone I talked to only… handled Social Security Disability cases which was not the type of case mine was. I found your name on Google and needless to say I wasn’t hopeful that you would take my case on and I was hesitant to deal with someone 1700 miles away but I am so glad that I did. From day one Zubaidah was my life line. She was helpful, kind and patient with me. I was so frustrated when my case was denied and after talking to both of you I was re-energized and ready to appeal. There were so many incidences where one government office didn’t or wouldn’t communicate with another which then affected their decision regarding my case. If I had to deal with that by myself I would have given up in frustration, I personally believe OPM hopes that if they make it hard enough to get approval most people will just give up. When I finally got my approval I couldn’t believe it and had to call Zubaidah to confirm that what I was reading actually said “approved” (just three days before I got a letter saying it was denied). It was a long, frustrating process but we made it through. Once again, thank you both so much.” Sincerely, Toni K.
Carr, CORead more “Client Testimonial – A Win From 1700 Miles Away”
Schedule a Consultation
When you need experienced legal counsel, turn to Andalman & Flynn. Our renowned team is here to provide vigorous representation for your most pressing family law and disability law issues and disputes.
Please contact us today to schedule a consultation.