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.
Testimonials
Repeat Client
“Both last year and this year the Office of Personnel Management threatened to take away my disability because I had made too much money in a previous year, and was therefore no longer disabled. However, their information was incorrect both times. Immediately Zubaidah Haamid and Elliott Andalman confronted OPM with the true facts, and got… OPM to back down both times. Without the assistance of Ms. Haamid and Mr. Andalman, I would have surely lost my disability. As I said, I have used the firm of Andalman & Flynn two times and have been extremely happy with the results both times. I highly recommend Andalman & Flynn as an extremely high quality legal firm and if I ever need an attorney again, I will not hesitate to use them again.” Tony, Denver, CO Read more “Repeat Client”
Service Areas
Disability Law Services
- Federal Disability Retirement (FERS)
- Social Security Disability (SSD) Benefits Law
- Long Term Disability Benefits/ERISA
- Short-Term Disability Benefits
- Disability Income Policies
- Life Insurance
- Medical Insurance
- State of Maryland and County Disability Retirement Benefits (SRA)
- Employment Law
- Pre-Existing Conditions
- Terminations from LTD
- Two-Year Limitations from LTD
- Initial Applications
- Administrative Appeals
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.