Private Long Term Disability Policies through an employer are generally covered by the Employee Retirement Income Security Act (ERISA), a federal statute that is supposed to protect people who apply for Long Term Disability benefits.
However, objective observers are usually of the opinion that ERISA actually makes applications and appeals more difficult for an average person. This, unfortunately, means that most people need to hire lawyers if they are denied Long Term Disability benefits in Maryland or other states by insurers such as Lincoln Financial, UNUM, Reliance (Matrix), Liberty Mutual, Prudential, MassMutual, Mutual of Omaha, etc.
In Maryland, hiring a lawyer to assist you in your fight for benefits is no easy task. There are few lawyers that have experience with Long Term Disability cases. Often you will find that the lawyer you’re speaking with only handles Social Security Disability cases, which is a completely different process than Long Term Disability. The lawyer you choose must be someone with experience in handling Long Term Disability cases specifically.
The fees for lawyers in this area of practice can vary significantly. The Law Office of Emmett B. Irwin generally offers a choice between a lower “flat fee” up front, or a higher “contingency fee” only if you win your case. The contingency fee can be up to 40% of your “back pay”, or benefits that are past due at the time of your award. Every case is different, and the fee can depend on a number of factors present in your case.