FAQ
Our FAQ
Have questions? We are here to help. Still have questions or can't find the answer you need? Give us a call at 954-324-2340 today!
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What is Short Term Disability Insurance?Some, but not all, businesses offer Short Term Disability to employees to cover them and pay them while they are out of work due to illness and sometimes injury. The length of time that coverage is available varies but is rarely more than 6 months and is often less. This is offered usually under group coverage by the employer, although individual coverage is available.
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What is Long Term Disability Insurance?Another form of group insurance coverage is Long Term Disability Insurance. This, too, may be offered by an employer. If there is short term coverage it usually starts to pay after the Short Term ends. If there is no Short Term, Long Term will usually begin after a waiting period called an "elimination period". The elimination period can vary from policy to policy but is usually never more than 180 days and is often less. Long Term Disability usually pays benefits monthly. You have to read the policy for any restrictions.
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What is ERISA?ERISA stands for the Employee Retirement Income Security Act of 1974. It is Federal law that applies to retirement and insurance and health plans made available through employment. It is restrictive and can be difficult to navigate for claimants. Originally designed to help employees, it has evolved over time to be less employee friendly. It covers employees when plans are provided through employment, except it does not apply to government employees or employees of religious organizations, including religious-run hospitals.
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What is Individual Disability Insurance?People are free to go out on their own and purchase disability insurance under a non-group policy. These policies are generally more expensive than group policies, but have more favorable benefits and fewer restrictions than the group policies. It is rare that they are ERISA policies.
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What other personal insurance is available through work or individually?Other available insurances include Life Insurance, Long Term Care Insurance and Accidental Death and Dismemberment Insurance, as well as Health Insurance. They may or may not be covered under ERISA, depending on whether they are offered through employment, and are not otherwise exempted.
What Sets Us Apart
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Personalized Legal Services
All clients work directly with Attorney Sperry to discuss their unique case.
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Cost-Efficient Approach
No fee unless we reach a resolution and recovery on your case.
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Experience on Your SideOur Attorney brings more than 45 years of experience to every case that we take on.
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Free ConsultationsDon't wait, contact our firm to schedule your free consultation today.
Hear From Our Happy Clients
At Martin J. Sperry, P.A., your satisfaction is our priority! See for yourself what our clients have to say about working with us.
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Martin Sperry, is a respected fellow lawyer in the community who consulted me on the case, and his insight was invaluable. He is highly ethical, extremely knowledgeable, and demonstrates a genuine commitment to the people he serves. His professionalism and care truly set him apart.- Karina A.
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Marty is amazing. Even after my case he’s always been a phone call away to guide me on legal matters and referred me in the right direction. Highly recommend him!- Girasol M.
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We highly recommend Martin Sperry and his team. Mr. Sperry is very knowledgeable and compassionate. He walked us through the process and was always available to answer any questions. He is amazing, professional and truly cares about his clients. We always felt that we were in great hands and knew he would get us a positive result. We always felt comfortable with him and we felt like family. Thank you Mr. Sperry for all you have accomplished for us. You are amazing!- Julia S.
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- Bruno S.
Martin Sperry is diligent thorough and precise with his explanations and delivery in court. His recommendations and integrity led us to a positive result and we are grateful to have found him
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I want to sincerely thank Attorney Martin J. Sperry for his professionalism, legal expertise, and patience throughout my disability case. His over 45 years of legal experience was evident in how he approached every detail, especially when navigating a complex situation involving misinformation from the insurance company.- Duane H.
What stood out most was his willingness to reassess the case when new facts came to light. He remained objective, thorough, and honest — qualities that are invaluable in legal representation. Thanks to his guidance, my case was resolved with a positive outcome.
If you're facing a long- or short-term disability denial or an insurance-related dispute, I highly recommend Martin J. Sperry, P.A. He understands the system, and more importantly, he fights for what’s right. -
I cannot recommend my lawyer and his team highly enough. He took over my short-term and long-term disability case and did an absolutely outstanding job getting my claim overturned. From start to finish, the entire process was seamless and handled with the highest level of professionalism.- Morgan S.
Communication was impeccable throughout the entire case. I was always kept informed, my questions were answered promptly and clearly, and I never once felt left in the dark. What truly sets him apart, though, is that he never treated me like just another case file. He treated me like a human being — with kindness, respect, and genuine compassion.
During an incredibly stressful and vulnerable time in my life, he was steady, reassuring, and deeply attentive to my situation. He listened, he cared, and he advocated for me every step of the way. His expertise, dedication, and empathy made all the difference, and I am beyond grateful for the outcome he achieved for me.
If you are looking for a lawyer who is not only highly skilled but also truly compassionate and respectful, I wholeheartedly recommend him. -
I highly recommend Marty! He was very attentive to my case and was easy to communicate with. He was also very patient with me throughout the process as I had no knowledge of how short term disability claims worked. He was able to get my appeal approved and in a reasonable time frame. Furthermore he always had time for my questions and concerns and was flexible with allowing me to come to his office if needed which was much appreciated. I liked how my case, even though it was not a large case, seemed to hold just as much value to him.- Alaina A.
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Marty is amazing! Caring, great communicator, understanding and treats you like family! Professional in every sense of the word and knows his law!!! And the best part? He WON my case!!!! I highly recommend him!- Donna V.