When a serious illness or injury keeps you from working, long-term disability (LTD) benefits can provide critical financial support. These benefits often replace part of your income when returning to work is no longer possible.
Unfortunately, many people in Towson and Baltimore discover that getting long-term disability benefits is far more difficult than expected. Insurance companies frequently delay claims, deny valid applications, or cut off benefits early.
At Lebau & Neuworth, we help Maryland workers protect their long-term disability benefits and challenge unfair insurance decisions.
Contact us today—call (667) 285-0368 to speak with an attorney.
What Are Long-Term Disability Benefits?
Long-term disability benefits are designed to provide ongoing income if a medical condition prevents you from working for an extended period.
These benefits usually come from:
- Employer-provided disability insurance plans
- Private disability insurance policies
Most LTD policies pay a percentage of your previous income and are meant to help cover:
- Rent or mortgage payments
- Utilities and daily living costs
- Medical treatment and prescriptions
- Long-term care or support services
Each policy has specific rules, definitions, and deadlines. Understanding those details early can make the difference between approval and denial.
Short-Term vs. Long-Term Disability — Why the Difference Matters
Many people start with short-term disability and later move to long-term disability. This transition is one of the most common points where claims fail.
Short-Term Disability (STD)
- Covers temporary medical conditions
- Typically lasts a few weeks or months
Long-Term Disability (LTD)
- Applies to long-lasting or permanent conditions
- May continue for years or until retirement
Insurance companies closely review claims during this transition and often look for reasons to deny or reduce benefits. We help ensure your medical evidence and paperwork support continued coverage.
Who Qualifies for Long-Term Disability Benefits in Maryland?
Eligibility depends on your policy terms, your job duties, and your medical condition.
Medical Conditions That May Qualify
Long-term disability benefits may apply to many conditions, including:
- Cancer and chronic illnesses
- Autoimmune disorders
- Mental health conditions such as depression or anxiety
- Severe injuries from accidents
- Neurological disorders
If your condition prevents you from performing the essential duties of your job, you may qualify — even if the condition isn’t listed specifically in your policy.
Employment and Policy Requirements
Employer-sponsored plans and private policies often have strict eligibility rules. Missing documentation, unclear medical records, or policy misunderstandings can lead to denial. We review your plan carefully and explain what applies to your situation.
Why Long-Term Disability Claims Are Often Denied
Even valid claims are frequently denied or terminated. Common reasons include:
- Insurers claiming you can still work in some capacity
- Disputes over medical evidence
- Allegations that your condition has improved
- Missed deadlines or paperwork errors
Insurance companies are focused on limiting payouts. Having legal guidance can help level the playing field.
How a Towson Long-Term Disability Lawyer Can Help
Long-term disability claims involve strict deadlines and detailed documentation. Our role is to manage the process and protect your rights.
We Help By:
- Reviewing your LTD policy in detail
- Gathering strong medical records and provider statements
- Communicating directly with insurance companies
- Filing and managing appeals
- Challenging benefit terminations
If negotiations fail, we are prepared to pursue litigation when necessary.
Denied or Losing Long-Term Disability Benefits? Act Quickly
If your claim was denied or your benefits were cut off, time matters.
Steps You Should Take Right Away
- Review the denial or termination letter carefully
- Gather updated medical records and opinions
- Contact a disability lawyer as soon as possible
Appeal deadlines are strict. Waiting too long can permanently affect your ability to recover benefits.
Why People in Towson and Baltimore Choose Lebau & Neuworth
Clients choose our firm because we offer:
- Focused experience with disability and employment law
- In-depth knowledge of ERISA and private LTD policies
- Personal attention and clear communication
- Trial readiness if insurers refuse to act fairly
We treat every case with care, urgency, and respect.
Speak With a Towson Long-Term Disability Lawyer Today
You don’t have to deal with insurance companies alone.
If you’re in Towson, Baltimore, or anywhere in Maryland, contact Lebau & Neuworth for a free consultation. We’ll review your claim, explain your options, and help you protect the benefits you rely on.
