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Category Archives: Long Term Disability

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5 Ways ERISA Affects Your Long Term Disability Insurance

By Steinhardt, Siskind and Lieberman, LLC |

Long term disability insurance is one of the most effective ways you can protect yourself and your family if you are unable to work, and it is also a valuable perk employers offer to attract top talent. There is the potential for abuse with respect to these policies, however, so they are subject to… Read More »

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Good And Bad Reasons For Long Term Disability Denial

By Steinhardt, Siskind and Lieberman, LLC |

Many Maryland workers have health insurance and retirement benefits through their employers, but a good percentage of them do not understand their coverage for long-term disability (LTD) benefits. One important point is that the Employee Retirement Income Security Act (ERISA) applies to short- and long-term benefits for disabled employees, just as it protects your… Read More »

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What To Do If Your Long Term Disability Claim Is Denied

By Steinhardt, Siskind and Lieberman, LLC |

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 »

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Guide To Understanding Your Long-Term Disability Insurance Policy

By Steinhardt, Siskind and Lieberman, LLC |

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 »

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3 Facts to Help You Understand Short-Term Disability Benefits in Maryland

By Steinhardt, Siskind and Lieberman, LLC |

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 »

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Avoid These Mistakes After a Long-Term Disability Insurance Denial

By Steinhardt, Siskind and Lieberman, LLC |

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 »

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Social Media Activity Can Impact Your Claim for Disability

By Steinhardt, Siskind and Lieberman, LLC |

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 »

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CONTESTING SHORT TERM OR LONG TERM DISABILITY INSURANCE DENIALS

By Steinhardt, Siskind and Lieberman, LLC |

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 »

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Signs of Bad Faith Disability Insurance Denials that Violate Maryland Law

By Steinhardt, Siskind and Lieberman, LLC |

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 »

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FAQs About Offsets for Disability Insurance Benefits

By Steinhardt, Siskind and Lieberman, LLC |

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 »

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