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
Client Testimonial – Always There For Me
“I applied for Social Security in 2002. I was denied and took my case to the highest level, the Administrative Law Judge. I was still denied. In 2004, I went to Elliott Andalman for help. I was referred to him by a health professional that told me if it was possible to win, Elliott Andalman… would be the person that could do it. He took my case which led to a victory in 2009. Elliott and his paralegal, Ariele Hausner, not only helped me win my case but they were always there for me. Always taking my calls, reassuring me that they would stand by my side. I developed a wonderful relationship with the two of them. I trust them completely. I even had an opportunity to review Elliot’s credentials. I was very humbled that he took my case. He has been on and won a wide variety of high profile cases. I don’t think anyone else would have stuck by my side and not given up like the two of them did. They both did their best at all times. To them I am eternely grateful. Thank you for a job well done.” S.H. – Washington, D.C. Read more “Client Testimonial – Always There For Me”
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