Two-Year Limitations from LTD
Twenty-four months goes by in a hurry.
- Transition from “Own Occupation” to “Any Occupation”: While an LTD insurance company may pay benefits because it found that you couldn’t perform the duties required for your occupation, that broader “any occupation” standard is often applied at the two year mark. This means that if you’re found to be medically capable of performing virtually any job that exists in the economy, your benefits may be terminated. This determination doesn’t take into account the availability of such jobs, only that they do exist and that they deem you capable of doing the work.
- Time limitation on mental/nervous conditions: Most group policies have a 24-month limitation for claims involving disabilities arising from mental, nervous, and psychological impairments. The rationale behind this two-year limitation is impairments can easily be exaggerated or outright faked. This policy provides little comfort to those who suffer from true mental conditions and find that their benefits are terminated after two years.
Experience you can count on.
From subjective reasons such as cessation of benefits due to medical improvement, to more concrete reasons like reaching the maximum allowable age to receive benefits, your insurance company may choose to terminate your payments after just two years. Andalman & Flynn’s dedicated team of legal experts has decades of experience in representing claimants whose disability benefits have been wrongfully terminated. If you’re facing this challenge, we’re available to assist you, too.
If you’re looking for compassionate, experienced disability attorneys in Maryland and the District of Columbia, Andalman & Flynn can help. We’ll fight to get the benefits you need so you can move on with your life. Please contact us today to schedule a consultation.
“When I first became disabled I had no idea what was in store for my family—I’d paid into long term disability (LTD) throughout my entire career and assumed that, as a hardworking American, that would carry me through until Social Security kicked in. However, in 2008 my LTD was unjustly cut off, and I began… the fight of my life. If it wasn’t for the extraordinary efforts of Elliot Andalman and Ariele, I don’t know where I’d be today. As Cigna attempted to wait me out until my savings, retirement, and complete monetary resources were depleted, Elliot waged war with Cigna and collected additional medical and vocational documentation. Needless to say, and I admit I wasn’t always so confident with the outcome, Elliot prevailed and managed to restore my LTD and win my due social security benefits (which had previously denied me three times) in August of 2009. I’d recommend Andalman and Flynn to anyone who needs to fight for what they deserve—the team is phenomenal, their results are impeccable, and they’re human beings who genuinely care about the people that they’re fighting for.” Thank you all, Arthur Bundick
Boonsboro, MD Read more “Client Testimonial – Andalman and Flynn is phenomenal”
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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.