Are you suffering from a debilitating injury or illness that has interrupted your career, leaving you indefinitely unable to perform your job? At Andalman & Flynn, we understand how difficult it can be to struggle with such a severe condition and support your family at the same time. But it’s important to realize that you do have options! You may be eligible to receive long term disability (LTD) insurance benefits—and we can guide you through the process to give you the best possible chance of success.
Let us help you with your application so you can worry about other things—contact us to schedule a consultation with our long term disability attorneys serving Germantown, MD!
How ERISA Law in Germantown Works
Although you can buy a private LTD insurance policy, most workers obtain LTD insurance through group policies provided by their employers and regulated by federal legislation, known as the Employee Retirement Income Security Act of 1974 (ERISA).
ERISA law in Germantown governs, among other things, the obligations of LTD insurance companies in the event that a serious disability or illness prevents an employee from doing his or her job for an extended period of time.
Note, however, that ERISA is not the same as workers’ compensation—in fact, it’s actually very different. Workers’ compensation provides coverage if you are involved in an accident specifically while you are on the job. In cases of workers’ compensation, most states will prescribe fixed amounts a worker should receive for a specific injury, usually based on what part of the body is affected. Partial disability in your leg, for instance, may earn you $400 a week for five years, while partial disability in your arm may earn you $400 a week for four years.
Related medical bills and therapy for an on-the-job injury are usually covered by workers’ compensation as well. The compensatory figures for workers’ compensation are reviewed and updated annually, usually by a state-appointed commission.
View more information concerning employment law in Germantown, MD.
Qualifying for Long Term Disability Insurance in Germantown
LTD benefits typically cover injuries or disabilities that are incurred on the job, but the system was also designed to protect employees if they suffer a serious injury or illness that prevents them from returning to work. With LTD, the extent of disability, rather than the cause of the disability, is most important in determining benefits.
Disabilities sustained through auto collisions, slips and falls, or other personal injuries may qualify an employee for ERISA long term disability benefits, for example. Workers are also qualified for coverage under ERISA LTD benefits if they have crippling diseases such as multiple sclerosis, Parkinson’s disease, and other acquired or hereditary diseases specifically impacting:
- The immune system
Long Term Disability Attorneys in Germantown, MD
If you’re suffering from a medical condition that’s left you unable to work, know that you are not alone. The experienced long term disability attorneys at Andalman & Flynn serve eligible workers like you throughout Germantown, MD and can be by your side as you fight for the finances your family relies on.
With a concentration on ERISA law in the Germantown area and a focus on protecting clients as they seek LTD benefits, we strive to provide the compassionate, dedicated service you deserve.
Struggling with illness or injury is difficult enough as it is. Let us make applying for long term disability insurance as easy on you as possible—contact our attorneys for assistance today!