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.

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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.

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Testimonials

Client Testimonial

…

“Elliott and his staff won my case! Thank you again for all your help with my case. Elliott and his staff were outstanding to work with during this trying time for me and my family. I have a number of physical issues that hit me all around the same time, as well as complications from one of my four surgeries I had within a four month period of time. I quickly exhausted all my sick and annual leave, leave donated to me, and also had been on three months of leave without pay. I was a U.S. Air Force program manager with a heavy workload. My team covered for me while I was out of the office and did a great job, but someone needed to be in my position doing the job on a daily basis. After learning that my primary care doctor, surgeon, and civilian doctor on base would support my disability claim, I did a search online and contacted Andalman & Flynn. Elliott and his staff were very understanding and supportive through the entire process. It was a trying time for my family and me to include the financial strain of missing so much work without pay. Elliott and his team were always available to answer questions, and even just talk when I needed them. I never waited longer than 24 hours for an email response or a returned call. Elliott and his team let me know every step of the FERS disability retirement application process and gave me an approximate time-line of the process from beginning to end. My case took approximately 10 months from start to finish. Understanding all cases are different and that some are decided in a shorter time or longer. My case was about the average time it takes to complete. Again, Elliott and his team were all over my case and even though this was a stressful time with all my health issues, I was at peace knowing they were always there for my family and me. My wife and I both appreciate the outstanding service, empathy, and support Elliott and his team displayed toward my family and me during this process. I thank Elliott and his team again for all they have done for my family and me, and I highly recommend Andalman & Flynn to anyone looking for an outstanding and experienced firm in the field of disability law. Thank you Elliott!”

Service Areas

Ashton	Bethesda	Burtonsville
Chevy Chase	Clarksburg	Cloverly
Colesville	Darnestown	Derwood
Forest Glen	Gaithersburg	Germantown
Glen Echo	Kensington	Laytonsville
North Bethesda	North Potomac	Olney
Poolesville	Potomac	Rockville
Sandy Spring	Shady Grove	Silver Spring
Somerset	Takoma Park	Wheaton
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