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 in Maryland.
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 Bed Rest
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 the individual is pregnant.
Many short term disability policies cover maternity leave. This is often quite helpful when the parent works at a place of employment that does not provide paid maternity leave.
If a person is 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.
Many short term disability policies pay between 50% and 75% of a person’s gross weekly wages. However, some policies may pay as high as 100%. The duration of payments is based on the insurance policy. This coverage is typically between nine and 52 weeks, but a few policies allow for up to 24 months of benefits. Employees may first be required to exhaust all sick days and other benefits before their short term disability benefits kick in. The knowledgeable attorneys at Andalman & Flynn can help you decipher the confusing terminology and complicated terms that short term disability policies often contain.
Short term disability benefit plans are complicated. The experienced disability lawyers at Andalman & Flynn can help you successfully navigate the system and secure the best outcome. Please contact us today to schedule a consultation.
Areas We Serve
We serve Silver Spring and the surrounding communities in Montgomery County including Gaithersburg, Rockville, Chevy Chase, Bethesda, Olney, and Potomac.
Client Testimonial – You are a great law firm!!
“To: Mr. Elliott Andalman, Ms. Ariele Stromberg, Ms. Michelle Amick and all the others working behind the scenes on my claim at Andalman & Flynn: You are a great law firm!! Thanks for the incredible service, kindness, thoughtful treatment and unbelievable technical execution I received from all of you in handling my disability claim. From… the first conversation with Mr. Andalman, who got back to me after-hours the same day I called him; to the many calls and emails I exchanged with Ms. Stromberg, I always felt like I was your only client. Your big hearts were shining through in all those exchanges. I lost hope in my claim a number of times along the way, especially since I had already left employment. But Ms. Stromberg never did. She was a great comfort to me in reassuring me that my claim had merit. I believed in her. When considering Andalman & Flynn for representation, I had the good fortune to read about your firm’s background on your webpage and found myself so impressed with your long history of working for individual liberties. There are few out there who still believe in these valuable principles. Yes, you are “nice” people. But most importantly you won my claim. And you did so on the first filing—no appeals, no court time and no testimonies. I don’t know how legal cases of this type normally work out, but that seems like astonishing execution to me. In street parlance it might be said: “Andalman & Flynn, You Rock!” As I said in one of my emails, I am sure glad I did not try to do it myself. I would have made one big, giant mess out of it. In closing, I’d like to say it was my privilege to be represented by you. It’s hard to imagine a more skilled, more personable organization anywhere. May the service you are providing to your clients return to you many fold. Very Gratefully Yours, J. –Maryland” Read more “Client Testimonial – You are a great law firm!!”
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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.