If you’ve been denied long-term disability benefits or are struggling with the disability application process, you’re not alone. Thousands of disabled people in Maryland face challenges every year, but luckily, a Maryland long-term disability lawyer can help.
At BenGlassLaw, we have over 100 years of combined experience and advocate for clients across Maryland who are battling disability insurance companies to get the coverage and compensation they deserve. Get a free consultation with our team now.
Understanding Long-Term Disability Insurance
Long-term disability (LTD) insurance is designed to replace a portion of your income if you’re unable to work due to a qualifying medical condition. These policies can be obtained through your employer, purchased privately, or offered as part of a disability insurance coverage package.
However, filing a long-term disability claim is often far more complicated than it seems. Unlike short-term disability benefits, which cover brief absences from work, LTD benefits are meant for an extended period—often lasting years. Common medical issues that qualify for LTD include:
- Chronic pain or autoimmune diseases
- Severe physical disabilities
- Debilitating injuries from accidents or surgeries
- Conditions that worsen over a period of time
Unfortunately, many claimants receive a denial letter from the insurance carrier—even when they’ve submitted all the required documentation.
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Our Team of Disability Lawyers
When dealing with a long-term disability claim, it’s important to work with the right kind of legal professional who understands your unique circumstances. Not all disability claims are the same—different policies, medical conditions, and stages of the claims process call for unique knowledge.
Our team consists of several types of long-term disability lawyers who focus on different areas of this complicated field. Here are some of the key types:
- Maryland ERISA long–term disability lawyer: This lawyer focuses on claims governed by the federal Employee Retirement Income Security Act (ERISA), which covers most employer-provided disability insurance policies and requires strict administrative appeals before litigation.
- Maryland private disability insurance lawyer: This lawyer handles claims involving individually purchased long-term disability insurance policies, offering greater flexibility outside ERISA but often involving detailed contract disputes with the insurance company.
- Maryland long–term disability appeals lawyer: This lawyer is well-versed in helping clients challenge denied claims by gathering additional medical evidence, filing administrative appeals, and guiding the process within tight deadlines.
- Maryland disability insurance litigation lawyer: This lawyer takes on cases where the administrative appeal has failed and litigation becomes necessary to obtain the benefits owed under the disability insurance policy.
Maryland Long-Term Disability Lawyer Near Me (703) 591-9829
Why Long-Term Disability Claims Get Denied
Even if you believe your case is straightforward, disability insurance companies often deny claims for a variety of reasons. Some of the most common include:
- Missing or incomplete medical records
- Lack of relevant evidence to meet the definition of disability
- Claims involving pre-existing conditions
- Discrepancies between your condition and what’s covered in your insurance policy
- Incomplete or improperly submitted forms
Insurers may also argue that your condition does not meet the definitions of disability outlined in your long-term disability insurance plan, or claim that your symptoms don’t prevent you from performing the essential duties of your occupation.
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The Benefits of Hiring Our Disability Lawyers
Working with a knowledgeable legal team can make all the difference in the outcome of your long-term disability case. Here are some of the key benefits of hiring our disability lawyers at BenGlassLaw:
- We understand the complicated language and loopholes in disability insurance policies
- Our team manages all communications with the insurance company
- We collect and organize medical records and evidence to strengthen your claim
- We guide you through the administrative appeal and litigation process
- We have extensive experience with both employer-provided and private disability insurance
- We coordinate your long-term disability claim with any ongoing Social Security Disability Insurance (SSDI) claims
Our job is to take on the legal burden so that you can focus on your health and recovery.
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What Sets BenGlassLaw Apart
At BenGlassLaw, we have handled a wide range of long-term disability cases. Whether your case involves a physical injury, chronic illness, or another type of health diagnosis, we know what it takes to win; we’ve been doing this for 20 years.
Our Maryland long-term disability lawyers have deep knowledge of long-term disability insurance claims, including those governed by federal laws. We have represented clients with various disabilities and understand how to gather the medical evidence needed to support your case.
We are committed to helping people who are dealing with both the emotional and financial stress of being unable to work for an extended period. Whether you are at the initial claim stage or seeking help after a denial, we are here to help you move forward.
Contact a Maryland Long-Term Disability Attorney Today
Contact BenGlassLaw today to schedule a free legal consultation. Our Maryland long-term disability lawyers will review your case, discuss your options, and guide you through the process every step of the way.
Whether you’re dealing with a denial letter, preparing for an administrative appeal, or need help with complicated forms, we’re here to advocate for your rights. Let us help you secure the disability compensation and financial stability you need for your future.
Call or text (703) 591-9829 or complete a Free Case Evaluation form