Category Archives: Long Term Disability
What To Do If Your Long Term Disability Claim Is Denied
For those who carry long term disability insurance through an employer benefits package, your policy is probably the first place you will turn if you cannot work. LTD benefits provide essential financial support when you are unable to earn an income, regardless of whether your medical condition is related to employment. These plans are… Read More »
Guide To Understanding Your Long-Term Disability Insurance Policy
Disability insurance has long been an employment perk offered by Maryland companies, and data from the US Bureau of Labor Statistics (BLS) reveals that 35 percent of civilian workers have access to long-term disability insurance. If you are a policyholder, you probably understand the basics: You pay premiums to the insurer, typically on a… Read More »
3 Facts to Help You Understand Short-Term Disability Benefits in Maryland
Americans do not tend to take much time off work throughout the year, at a rate of just 2.8 absences for the 117.4 million people employed as full-time wage and salaried workers as reported by the US Bureau of Labor Statistics. However, there are plenty of individuals who need an extended leave of absence… Read More »
Avoid These Mistakes After a Long-Term Disability Insurance Denial
Congress passed the Employee Retirement Income Security Act (ERISA) in 1974 to protect a wide range of employee benefits, including long-term disability insurance policies. If you suffer from an illness or injury that renders you unable to work, you can file a claim to obtain essential financial support during difficult times. Unfortunately, insurance companies… Read More »
Social Media Activity Can Impact Your Claim for Disability
Statistically speaking, there’s a good chance that you’re active on social media or at least sign into one of the many networking platforms on a somewhat regular basis. Data compiled by the Pew Research Center indicate that 70 percent of American adults use Facebook, 73 percent watch videos on YouTube, and 37 percent publish… Read More »
CONTESTING SHORT TERM OR LONG TERM DISABILITY INSURANCE DENIALS
ARE YOU A VICTIM OF YOUR OWN DISABILITY INSURANCE COMPANY? DID YOU PURCHASE SHORT TERM AND/OR LONG TERM DISABILITY INSURANCE THROUGH YOUR EMPLOYER? DO YOU CONSIDER YOURSELF A PRODUCTIVE EMPLOYEE? HAVE YOU DEVELOPED A SUDDEN OR CHRONIC ILLNESS WHICH CAUSED YOU TO STOP WORKING? WHAT HAPPENED NEXT? DID YOU APPLY FOR SHORT TERM DISABILITY… Read More »
Signs of Bad Faith Disability Insurance Denials that Violate Maryland Law
When you pay your premiums in full and on time, you expect your disability insurance company to uphold its side of the bargain by processing your disability claim quickly. Unfortunately, some insurers don’t comply with the Maryland Insurance Administration’s Insurer Good Faith Requirements. Not only are bad faith disability insurance practices unlawful, but they… Read More »
FAQs About Offsets for Disability Insurance Benefits
If you are or will be receiving benefits under an employer sponsored group disability plan or private disability insurance plan, you may come across “offsets” (also referred to as “deductible sources of income”) that affect the amount paid out to you. In short, offsets are terms within your policy that allow your insurance company… Read More »
ERISA and the Department of Labor
Attorney, Keith R. Siskind of the Law Offices of Steinhardt, Siskind and Lieberman, LLC, attended the American Conference Institute for Litigating Disability Insurance Claims in Philadelphia from 2/21/18 – 2/23/18. This seminar focused on a variety of topics regarding the filing, appealing and litigating of disability insurance claims. There is an abundance of discussion… Read More »
Disability Insurance Claims
Attorney, Keith R. Siskind of the Law Offices of Steinhardt, Siskind and Lieberman, LLC, attended the American Bar Association ERISA Litigation Seminar held in Chicago from June 7th through June 9th, 2017. This seminar explored a variety of topics associated with claims under the Employment Retirement Income Security Act (ERISA). The seminar was formulated… Read More »
