Author Archives: Imp Orter
Are Maryland Policy Holders’ Long-Term Disability Benefits Offset By Social Security Benefits?
The short answer is that it depends on the plan language. However, it is common for plans to include a provision whereby the benefits they owe a claimant will be offset by any Social Security benefits they receive. A Maryland attorney familiar with both private and government disability claims can look at the written… Read More »
“Objective” Evidence of Disability in Maryland Long Term Disability
As we’ve mentioned in other posts, the language of your long term disability plan is controlling in Maryland. An insurer can give itself complete discretion about whether to award benefits. This is one reason it is important to look at your plan documents when you enroll in a plan, and retain an attorney as… Read More »
The Going and Coming Rule in Maryland Workers’ Compensation Cases
In a recent Maryland workers’ compensation case, a firefighter filed a workers’ compensation claim in which he alleged he had been injured on motorcycle while leaving a physical training session at a high school. He was returning to the fire station where he worked on “light duty” because he had a prior compensable back… Read More »
Signing A Release After an Accident Without the Assistance of An Attorney
If you are injured in an automobile accident as a result of the negligence of another party, you may be contacted by that individual’s insurance company. The insurance company may offer you a settlement in return for signing a release. If you discover that your injuries are more serious after accepting the money and… Read More »
Recent legal updates on disability insurance benefit claims
On December 4, 2013 attorney Keith R. Siskind attended the 26th annual ERISA Litigation Conference in New York. The conference provides an opportunity to network with other professionals and obtain updated information on recent cases and issues involving long term disability insurance benefit claims under the Employment Retirement Income Security Act. The process of… Read More »
What is a date last insured in a Social Security Disability claim?
When you work and pay Social Security taxes it is as though you are paying premiums on a disability policy through the Federal Government. For an individual that has worked and earned at least $4,640 per year in the 5 years prior to becoming disabled, that individual would have a date last insured of… Read More »
Judge Awards Social Security Disability Benefits Based on Use of a Cane
Claimant X, a 53-year old man, had limited education and transferable skills. He experienced constant right leg pain as a result of a gunshot wound several years earlier. Claimant X experienced leg pain with standing, walking, sitting and sleeping. Because of his insurance status, he was unable to afford pain medications or go to… Read More »
Get an Attorney if You Are Denied Long Term Disability Benefits
A potential client will often call seeking legal assistance regarding their denial of long term disability insurance benefits by an insurance carrier. After further inquiry it is determined that the client was denied benefits some time ago and submitted their own appeal to the insurance company which may have consisted of a letter from… Read More »
