Ellicott City Long-Term Disability Lawyer
In an instant, you could suffer a long-term disability from a workplace injury. When a workplace accident occurs, workers’ compensation is often available to help with wage replacement and other damages.
However, in the case of a long-term disability, you need a lot more. You have a medical issue that could take years to recover from. Plus, you may not be able to work during this time, so you won’t be earning any money.
In these situations, you should be seeking a lawsuit, especially if the insurance company is denying your claim. If your appeal is denied by the insurance company and your administrative remedies have been exhausted, the Ellicott City long-term disability lawyer from Law Offices of Steinhardt, Siskind and Lieberman, LLC can help you seek the benefits that you are entitled to receive.
What is ERISA?
The Employee Retirement Income Security Act (ERISA) is a federal law in the United States that sets standards for pension and health plans offered by private employers. ERISA also applies to employer-sponsored disability insurance plans. These plans provide income replacement benefits to employees who are unable to work due to a qualifying disability.
ERISA sets certain standards for these disability plans, including requirements for claims procedures, disclosure of plan information, and appeals processes. Under ERISA, employees who have disability insurance coverage through their employer have certain rights and protections.
Types of Long-Term Disabilities
A worker can suffer various long-term disabilities, both in the workplace and outside of it. Some common disabilities include:
- Physical disabilities. These can include loss of limbs, paralysis, spinal cord injuries, severe burns, traumatic brain injuries, and other injuries to the body’s musculoskeletal system. These disabilities can significantly impact mobility, dexterity, and overall physical functioning.
- Sensory disabilities. Workplace accidents can lead to sensory impairments such as loss of vision or hearing due to exposure to loud noises, chemical exposure, or physical trauma to the head.
- Psychological disabilities. Traumatic incidents in the workplace can also result in psychological disabilities such as post-traumatic stress disorder (PTSD), anxiety disorders, and depression.
- Cognitive disabilities. Traumatic brain injuries and other head injuries sustained in workplace accidents can lead to cognitive disabilities such as memory loss, impaired reasoning, and difficulty with concentration.
- Chronic pain. Workplace injuries can result in chronic pain conditions such as back pain, neck pain, repetitive strain injuries, and other musculoskeletal disorders, which can impact an individual’s ability to perform daily tasks and maintain employment.
- Neurological disabilities. Some workplace accidents may result in neurological disabilities such as epilepsy, nerve damage, and other conditions affecting the nervous system.
- Respiratory disabilities. Exposure to hazardous substances, chemicals, or environmental pollutants in the workplace can cause respiratory disabilities such as asthma, chronic obstructive pulmonary disease (COPD), and other respiratory conditions.
Contact the Law Offices of Steinhardt, Siskind and Lieberman, LLC Today
If your disability benefits have been denied, you need strong legal help on your side. Don’t take no for an answer. If you have a problem with your short- or long-term disability insurance claim, get help from the Ellicott City long-term disability lawyer at The Law Offices of Steinhardt, Siskind and Lieberman, LLC. Call (410) 766-7630 to schedule a consultation.