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Maryland Long-Term Disability Blog

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Obtaining LTD After a Heart Attack

Each year in the U.S., 610,000 people die of heart disease, according to the Centers for Disease Control and Prevention. Moreover, 735,000 Americans have heart attacks every year, with 210,000 of these being second-time events. With such sobering statistics… Read More

Major Dysfunction of a Joint

Major dysfunction of a joint occurs when medical problems in one of the body’s main joints (shoulder, elbow, wrist, hip knee or ankle) impede your ability to move or function effectively. The dysfunction can generally happen due to any cause. For example,… Read More

Mental Illness Limitations in LTD Policies

One of the most insidious practices by insurance companies in crafting long-term disability (LTD) policies is the Mental Illness Limitation. This common language in long-term disability policies limits benefits paid to 24 months if the underlying condition… Read More

The Challenges of Obtaining Long-Term Disability for Fibromyalgia

Some of the most complex cases in disability law involve clients with fibromyalgia. This is because, on top of fighting the normal legal inertia of adjusters and insurers seeking to deny the claim, you battle the pervasive idea that fibromyalgia is a… Read More

The Social Security Offset

Yesterday I met with a Social Security client who was already receiving long-term disability (LTD) benefits. Although she had already planned on applying for Social Security Disability, she mentioned that Hartford, her LTD carrier, was “making” her apply… Read More

Arthritis and Long-Term Disability Benefits

Arthritis can be among the most debilitating of illnesses leading people to apply for disability. The two main types of arthritis, rheumatoid arthritis and osteoarthritis, are caused by different mechanisms but can have equally devastating impacts on… Read More

Social Media in Long-Term Disability Claims

One of the more sinister things that insurers can do during the long-term disability (LTD) claim process is to have you surveilled (followed) for a period of time to see if the limitations you discussed in your application for benefits match what they… Read More

Long-Term Disability: Getting Started

The process of applying for long-term disability (LTD) can be confusing and intimidating. It can bring shock to discover that the insurance company is denying something you’ve relied on through years of hard work to secure you and your family if you get… Read More

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