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While teachers in Maryland are generally employees of the County where their school is located, teachers qualify for disability retirement under the Maryland State Retirement and Pension System (MSRPS). Unfortunately, determining when you are eligible and how to claim your benefits isn’t always easy. If you are a teacher who […]

Long-term disability insurance is supposed to be a safety net for people who are unexpectedly unable to work. Unfortunately, these for-profit companies make a lot of their money by denying claims that should be covered. While every disability insurance company engages in various tactics to deny claims, some are worse […]

Applying for Social Security Disability benefits is more complex than merely telling the Social Security Administration (SSA) that you suffer a disability and are no longer able to work. While your subjective assessments of your condition do carry some weight, the SSA also needs objective medical evidence to evaluate your […]

Social Security disability benefits are intended for individuals who cannot work due to a qualifying medical condition. One of the key symptoms that keeps many disabled individuals from working is pain. But “pain” can be difficult to quantify; how do you prove that you are in pain, let alone prove […]

The Social Security disability program requires that eligible claimants be completely disabled. This means that they cannot do the work they did before their disability, nor can they transition to any other type of work that would constitute Substantial Gainful Activity. While it may be easy to determine that you […]