Long Term Disability Expert Services in Maryland
KWVRS provides long term disability vocational and life care planning analysis for attorneys handling cases in Maryland. KWVRS provides forensic economic analysis with its affiliated firm, Kincaid Wolstein Economics.
Overview
Long-term disability (LTD) matters assess whether a claimant is capable of performing their own or any occupation under the applicable policy definition, drawing on medical records, functional capacity evaluations, and labor market analysis.
Vocational and economic impact
LTD vocational analysis applies the relevant policy definition (own occupation, any occupation, reasonable occupation) to the claimant's documented functional capacity and transferable skills, identifying whether suitable occupations exist within medical restrictions.
Exposure is defined by the policy - monthly benefit amount, offsets, cost-of-living adjustments, and benefit duration to the policy maximum age.
Maryland courts and expert standards
Long Term Disability matters in Maryland are litigated in the state's trial courts, with vocational, life care planning, and economic testimony evaluated under Maryland's expert evidence standard. KWVRS prepares reports and testimony that account for these requirements.
Where these cases are heard
- Circuit Court - General jurisdiction; major civil cases, more serious criminal cases, and juvenile and family law cases such as divorce, custody and child support
- District Court - Civil cases up to $30,000, misdemeanors, motor vehicle, landlord-tenant
Highest court: Supreme Court of Maryland. Federal venues: D. Md.
Sources: Maryland Judiciary, About the Maryland Court System: the Supreme Court of Maryland is the highest court and the Appellate Court of Maryland the intermediate appellate court; circuit courts generally handle more serious criminal cases and major civil cases, including juvenile and other family law cases such as divorce, custody and child support; the Orphans' Court handles wills, estates and other probate matters (reviewed 2026-10-12); Maryland Judiciary, Maryland's Judicial System: the circuit courts are the trial courts of general jurisdiction (reviewed 2026-10-12); Maryland Judiciary, District Court of Maryland: landlord-tenant cases, replevin actions, motor vehicle violations, misdemeanors and certain felonies; exclusive jurisdiction in civil claims of $5,000 or less, and concurrent jurisdiction with the circuit courts in claims above $5,000 but less than $30,000 (reviewed 2026-10-12); Maryland General Assembly, Courts and Judicial Proceedings Article, District Court civil jurisdiction: contract and tort actions in which the debt or damages claimed do not exceed $30,000 (reviewed 2026-10-12); Maryland Judiciary, Orphans' Court: Maryland's probate court, which presides over the administration of estates (reviewed 2026-10-12)
Attorney guides for long term disability cases
Other case types in Maryland
Frequently Asked Questions
What is the 'own occupation' versus 'any occupation' distinction?
Own-occupation policies assess disability based on inability to perform the claimant's pre-disability occupation. Any-occupation policies assess inability to perform any occupation for which the claimant is reasonably suited by education, training, and experience.
How is a transferable skills analysis used in LTD matters?
Transferable skills analysis identifies occupations the claimant could theoretically perform based on pre-disability skills, applied to the residual functional capacity to determine whether suitable alternative occupations exist within the policy's definition.
Do LTD cases often involve ERISA?
Employer-sponsored group LTD plans are typically governed by ERISA, which constrains procedural issues and review standards. Individual disability policies are generally governed by state insurance law.
References
- U.S. Department of Labor - ERISAGovernment
- Social Security Administration - Disability EvaluationGovernment
- O*NET OnLineGovernment
- Maryland Judiciary, About the Maryland Court System: the Supreme Court of Maryland is the highest court and the Appellate Court of Maryland the intermediate appellate court; circuit courts generally handle more serious criminal cases and major civil cases, including juvenile and other family law cases such as divorce, custody and child support; the Orphans' Court handles wills, estates and other probate matters (reviewed 2026-10-12)Government
- Maryland Judiciary, Maryland's Judicial System: the circuit courts are the trial courts of general jurisdiction (reviewed 2026-10-12)Government
- Maryland Judiciary, District Court of Maryland: landlord-tenant cases, replevin actions, motor vehicle violations, misdemeanors and certain felonies; exclusive jurisdiction in civil claims of $5,000 or less, and concurrent jurisdiction with the circuit courts in claims above $5,000 but less than $30,000 (reviewed 2026-10-12)Government
- Maryland General Assembly, Courts and Judicial Proceedings Article, District Court civil jurisdiction: contract and tort actions in which the debt or damages claimed do not exceed $30,000 (reviewed 2026-10-12)Government
- Maryland Judiciary, Orphans' Court: Maryland's probate court, which presides over the administration of estates (reviewed 2026-10-12)Government
Ready to Get Started on long term disability cases in Maryland?
Contact KWVRS to discuss scope, timing, and the deliverables appropriate to the matter. Plaintiff and defense.