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 – I Knew That My Case Was In Good Hands
“Dear Atty. Andalman and Associates: Dear Atty. Andalman and Associates: I am writing this letter to you in order to express my appreciation for the job both yourself and your staff did in bringing my Social Security Claim to a positive conclusion. Realizing that each and every claim is different and that some may require… a more extensive amount of work than others (mine being a perfect example), I now more than ever can appreciate the amount of time, dedication and hard work you all put in on behalf of both me and my wife. I especially appreciated the availability of everyone in your office to answer the many questions which I had throughout the process. And if I did need to leave a message or write an e-mail, it was always answered in a timely fashion. This gave me great comfort as did all the people I dealt with over the last few months. While speaking to you on the phone during the process, I developed a sense of trust. I knew that my case was in good hands! Then when I received my hearing date, I will admit I was nervous as to what the outcome would be. But before I even went into the Judge’s chambers, you sat with me and discussed how the hearing would be conducted. It was at this point that I became very comfortable and relaxed because of your professionalism but even more because of your genuine concern for me. I truly believe that if everyone had an attorney like you they would have a much better chance of winning their case.” You’re a great attorney and an even better person. Dennis B. Watts Silver Spring, MD Read more “Client Testimonial – I Knew That My Case Was In Good Hands”
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.