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
“CARLOS E. TORRES
17 May 2007
To: Andalman & Flynn 8601 Georgia
Avenue Suite 604 Silver Spring, Maryland 20910 Dear Attorney Elliott Andalman Attorney Mary Ellen Flynn Everyone else concerned & Involved – I am sorry I have not written sooner to everyone at Andalman & Flynn due to my Urologic Surgery… this month. However my wife Cinzia and I want to express our gratitude to everybody at Andalman & Flynn for your patience and for the hard work everyone did in winning my work disability case. My wife and I know how much effort and how serious your legal team took in my case both by the amount of correspondence generated while executing my case and by the personal attention to detail Ms. Zubaidah Haamid displayed in the many discussions we had. Ms. Zubaidah Haamid is an Angel in disguise. She has touched me not only with her professionalism, but also with her people skills and tremendous efficiency. Although I’ve never seen her, I sense she is a beautiful woman inside and out who cares about others, loves her work and who she works for, and is a great asset to your legal practice. Was all this worth it? The final results of the case speak volume about what an excellent legal team you all are. I could not have won this case alone without the expertise of Andalman & Flynn. Let’s not forget however, that I know this case was a challenge. Even if your legal firm won this case, much work was involved. It is a great thing that we live in a great country where what you have done for us is possible. Words alone cannot convey how much Cinzia and I appreciate what you have done for us. I am an old Army Sergeant Major and I don’t succumb to emotions easily considering my background, but I cried like a baby when Ms. Zubaidah Haamid called me up with the good news about my case. I don’t know how much longer I have to live with all of my medical and psychological problems; however you have taken so much mental stress and weight off of my shoulders especially now that I am unable to work. Thank you very, very much from the bottom of our hearts and souls. God bless each and every one of you at Andalman & Flynn and may you continue to help others. I have nothing to say but good things about your legal firm to anyone who may ask. If anyone of my friends needs help the way I did, I will not hesitate to refer then to you. If any of you come down to Florida, I want you to know that my home is your home and hope you will visit. You all are the best.” Thanks again.
Sincerely, Carlos E. Torres Read more “Client Testimonial – An Angel in Disguise”
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.