Private Disability Lawyers
Greenberg & Bederman handles long term private disability cases in Maryland, Virginia and Washington, DC
If you or someone you know has been denied private disability, call a Maryland disability lawyer at Greenberg & Bederman (301) 589-2200 or (800) 800-1144, in the Baltimore, MD area 301-589-220 or submit an online private disability questionnaire.
Maryland Private Disability Lawyer
Many people acquire private Disability (LTD) policies through their job or they may buy a private long term disability policy on their own. Private Long Term Disability (LTD) policies provide financial benefits to people who become disabled either by accident or illness. Most people expect the insurance companies providing private disability insurance to keep their promise and to pay disability benefits if they become disabled. Unfortunately, in many circumstances, this is not the case. A private disability lawyer will better ensure that any wrongfully denied private disability claim is reversed or will file a disability lawsuit.
Appealing Private Disability Claims
As a practical matter, it is important to seek the advice of a disability lawyer whenever a private long term disability insurer begins tactics which seem unfair. Many times there are administrative appeals available to disabled claimants which, if skillfully used, can lead to getting the long term disability claim approved. If the appeals process is not used properly, this can lead to an irreversible long term disability claims denial. In some cases, litigation will be necessary, even in cases that seem open and shut. A private disability lawyer can help.
What is Long Term Private Disability (LTD)?
Long term disability, or LTD, is a private insurance plan intended to protect individuals that suffer a disability from enduring large financial loss because they have lost their ability to fulfill their job duties. A long term disability policy allows affected individuals to continue collecting their income for an extended period of time when they cannot work due to the disability. By law, insurers are required to undertake a full and impartial long term disability claims review at the time a person asks for benefits. Many insurers make little or no effort to evaluate long term disability claims. Often, they don’t even obtain medical records or work information before issuing a denial. In addition, many insurers frustrate Claimants by using complicated forms or requiring multiple examinations by “independent” doctors who seemingly have little interest in doing a proper exam. Long delays in long term disability “review” are extremely common. During this process, it is likely that Claimants are financially squeezed, only adding to their sense of frustration.
If you take the time to review your private disability policy, you will see that it’s a complex document filled with poorly defined terms. Some insurers will try to use various policy provisions to limit benefit payments or to avoid payment altogether.
If you or someone you know has been denied private long term disability, please call a Maryland Private Disability Lawyer at Greenberg & Bederman at (301) 589-2200 or (800) 800-1144 or submit an online private disability questionnaire.
The initial disability denial consultation is free of charge, and if we agree to handle your private disability case, we will work on a contingency fee basis, which means we get paid for our services only if there is a monetary recovery of funds. A lawsuit must be filed before an applicable expiration date, known as a statute of limitations so please call right away to ensure that you do not waive your right to possible compensation.
Private Disability Online Resources:
The Motley Fool – Insurance Center – Disability
Comptroller of The United States – PDF on Modernizing Federal Disability Policy
Center for Studying Disability Policy – Objective Research and Data Collected From The People Disability Policy Aims To Serve
National Council on Disability – National Disability: A Progress Report
Disability Rights Legal Center – The CLRC is a Joint Program of the Disability Rights Legal Center & Loyola Law School
Disability Rights – What To Look For When Buying Disability Insurance
National Academy of Social Insurance – Creating Public and Private Disability Policy
The Fundamentals of Disability Insurance
US Department of Labor – ERISA
Aging Senate – CRS Report for Congress
Juris Publishing – ERISA and Health Insurance Subrogation