Maryland Long-Term Disability Lawyer
Are you or a loved one filing for long term disability in Maryland? If so, contact an attorney for help getting the maximum compensation for your claim.
It’s a fact that many, if not most, Marylanders will require some sort of disability care in their life. Whether it’s a car crash and a broken hip, you’re more likely than not to need to take time off work and recuperate. Unfortunately, some illnesses and injuries require long-term financial and medical support.
Many United States residents are unprepared to manage long-term disability. More people plan for the financial impact of sudden death than they do for a disabling condition. There’s nothing abnormal about needing help for a disability. In fact, approximately 30% of Americans between the ages of 35 and 65 will develop a disability that prevents them from working.
If you have a disabling injury or illness, you may be unsure about how to care for yourself and your loved ones or plan for your future. Fortunately, long-term disability insurance (LTD) can help you support you financially while you’re unable to work.
Get experienced help from Abell and Capitan Law. You can do it alone, but filing a claim for long-term disability is difficult. You may not be sure how to make your claim convincing to the faceless agency that receives it. Working with the skilled long-term disability attorneys at Abell and Capitan Law can remove that worry.
Our lawyers have an in-depth knowledge of LTD insurance, and we know how to address all of the problems you may face while filing your claim. The team at Abell and Capitan Law understands how important this compensation is for you and your loved ones, so we won’t rest until you have the financial support you deserve.
Take action and start your long-term disability claim today. Call our Maryland long-term disability attorneys at (267) 419-7888 right now to schedule a free case evaluation.
Why You Need an Attorney
Effective LTD claims require a clear understanding of both claimant rights and the proper filing procedure. Most importantly, the claim must include extensive evidence that proves the claimant is qualified for long term disability coverage. If you make a mistake during your application process, your insurance provider may have grounds to deny your claim.
You can’t afford to make errors that will slow down the claims process. That’s why you need to work with a legal professional who can help you make the best claim possible. Long-term disability attorneys have the experience and knowledge necessary to make your claim process smoother and increase your chances of receiving the compensation you need.
Your lawyer will help you gather the evidence you need and determine how to effectively present it. We’ll also monitor your claim’s progress and negotiate with your insurance provider, helping expedite your claim so you get fair compensation as quickly as possible.
When you or a loved one face a debilitating injury or illness, you don’t have time or energy to spend focusing on the details of filing an insurance claim. Don’t bother. You can rely on your LTD lawyer to protect your rights and fight for the financial support you and your loved ones need.
Why Choose Abell and Capitan Law to Handle Your Case
The attorneys at Abell and Capitan Law have spent years studying long-term disability law and policy. We have used this knowledge to help clients throughout the state of Maryland receive the LTD benefits they need. We understand that LTD claims are complex and come with a wide variety of challenges. Our firm only practices long-term disability law, so we can devote all of our time and energy to helping you navigate every element of your claim.
The attorneys at Abell and Capitan Law are proud to work with each of our clients, and we believe that a strong attorney-client relationship is key to a positive outcome. When you work with Abell and Capitan Law, you can expect a high level of professionalism and unwavering respect from every member of our legal team.
Your long-term disability claim is deeply personal, so you need to trust that your attorney is always fighting for your best interests. Abell and Capitan Law is prepared to earn your trust through our hard work and dedication to your case.
Understanding Long-Term Disability in Maryland
Long term disability insurance provides you and your loved ones with a portion of your salary each month when you’re unable to work due to a severe illness or injury. It’s designed to protect you in the event of an illness or injury that’s unrelated to work and therefore ineligible for workers’ compensation.
In the state of Maryland, employers aren’t required to provide disability insurance as a standard element of employee benefits. That said, many businesses understand the importance of disability insurance and choose to provide their employees with this form of protection. You may also purchase individual LTD insurance if your employer doesn’t provide the benefit or if you wish to supplement your employer’s policy.
You may be eligible for your employer’s long-term disability insurance if you’re a full-time employee, working at least 30 hours per week. Some employer policies require you to have worked a specified amount of time with your company to be eligible to receive benefits through their LTD insurance.
Most Maryland applicants for LTD support also have to apply for Social Security Disability Insurance (SSDI). Your LTD insurance provider will use the amount of financial support you receive from SSDI to determine how much money they’ll give each month.
When Can I File a Long-Term Disability Claim?
Under most LTD insurance policies, you must be unable to work due to illness or injury for a specific amount of time before you can make a claim. This is called the “elimination period.”
You must reach the end of the elimination period, typically 90 and 180 days, before you can apply for long term disability benefits. Even if you haven’t used all of your medical-leave time from your employer, you can still apply for LTD benefits when the elimination period ends.
Every LTD policy has different terms and restrictions concerning when and why you can file for benefits. Understanding the terms of your LTD policy and each of the steps you have to take to file your claim is essential. Missteps can mean denied claims.
Your attorney will guide you through each of the requirements for LTD benefits in Maryland, so you’ll have the best chance possible of receiving the maximum benefits available.
How Much Financial Support Is Available from Long-Term Disability Claims?
After your insurance provider approves your LTD claim, you’ll be sent monthly compensation based on your typical monthly salary. Usually, your long-term disability insurance will provide between 50 and 70% of your salary every month. Many LTD policies also cap the maximum amount you can receive.
Once your claim is approved, you may be entitled to receive LTD benefits for as long as you’re unable to work or until you reach retirement age. Under most LTD policies, 65 is the standard age of retirement. After you turn 65, you can no longer claim LTD benefits.
Your policy may limit the amount of time you may receive benefits, usually based on the type of illness or injury you are facing. For example, some policies will terminate LTD benefits for mental illnesses after two years.
These complicated rules are why you need to review your policy with a lawyer before you apply for LTD benefits. An attorney with Abell and Capitan Law will ensure that you understand the amount of money you should expect to receive from your LTD policy and how long you can expect to get it.
What Conditions Qualify for Long-Term Disability?
You must be able to prove that you have a disabling condition that prevents you from working to receive long-term disability benefits. Once again, doing so is more complicated than it should be.
Every LTD insurance provider develops its own definition of disability. Some policies may provide benefits if you’re unable to work in your chosen field, while others specify that you must be unable to work any job to qualify for benefits.
The wide variety of disability definitions can make it difficult to know whether your injury or illness qualifies. Some common conditions which may allow you to seek LTD benefits include:
- Spinal cord injury
- Degenerative disc disease
- Traumatic brain injury
- Carpal tunnel syndrome
- Balance disorders
- Multiple sclerosis
- Rheumatoid arthritis
- Heart disease
If you had pre-existing conditions when you enrolled in LTD insurance, your provider may deny coverage for a disability related to this condition. If your unsure about how your medical conditions affect your benefits, discuss your policy with a skilled attorney to determine if you’re eligible.
Contact Abell and Capitan Law Today
If you or a loved one are unable to work because of a long-term disability, you have a right to pursue benefits that protect your financial interests. The attorneys at Abell and Capitan Law are prepared to fight on your behalf and help you through every element of your LTD claim.
Abell and Capitan Law has the skills and experience necessary to help you, and we’re ready to start work on your case right now. Contact Abell and Capitan Law at (267) 419-7888 to take action on your long-term disability claim today.