Short-Term Disability Benefits
Don’t let a disability derail your life.
Every day, workers become disabled due to a work injury, accident, illness, or another event. Disability can cause a significant disruption in a person’s life, affecting his or her social life, romantic life, and recreational pursuits. However, the biggest impact is usually on a person’s income and ability to work. The experienced lawyers at Andalman & Flynn can assist you with all aspects of the short-term disability benefits application process.
What you need to know about Maryland’s Temporary Disability Assistance Program.
Maryland’s Temporary Disability Assistance Program is a state-sponsored program to assist low-income individuals on a short-term basis. This program supplements the federal program and is designed to provide benefits more quickly than is typically available through Social Security disability. Eligible individuals can receive minimal cash benefits.
To be eligible, the disabled individual must have a medical practitioner complete a medical report to verify the disability. One must also satisfy the income standards to qualify. Also, if an applicant is disabled for a year or more, to qualify for Temporary Disability Assistance Program he or she must submit an application for SSI benefits under the federal program. Benefits are good for a maximum of 12 months out of a 36-month period. Applicants can obtain an application from their local Department of Social Services. For more information, call one of our short-term disability lawyers at (301) 563-6685!
Get to know the ins and outs of short-term disability benefits.
Most short-term disability benefits are provided by one’s employer. Short-term disability policies may provide income replacement for inability to work caused by illness or accidents. The income replacement varies from policy to policy in both amount and duration. Some common events that may make short-term disability benefits available include:
An accidental injury that arises after the policy effective date may allow for the receipt of benefits. Insurance policies typically exclude intentional injuries, injuries that occur while committing a crime or alcohol-related injuries. Some policies exclude injuries that occur at work and are covered by worker compensation.
Disability caused by an illness is generally covered. However, some policies exclude coverage for pre-existing illnesses. Each policy must be carefully read to determine whether and to what extent pre-existing illnesses are covered.
Pregnancy-related bed rest may be another short-term disability. This treatment option often allows individuals who are suffering from complicated pregnancies to take care of their bodies and their babies. However, some policies may require a claimant to establish coverage by this insurance before she is pregnant.
Many short-term disability policies cover maternity leave. This is often quite helpful when the mother works at a place of employment that does not provide paid maternity leave.
If approved for short-term disability benefits, a portion of income will be paid while unable to work. Several factors go into the amount of income replacement, including the monthly amount, the elimination period and the duration of payments. The elimination period is typically between zero days and 30 days. This is the period of time that must pass after the disability begins before benefits will kick in.
“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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