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If you are facing a long-term disability claim denial or struggling to obtain Social Security disability benefits in Florida, the process can be frustrating and overwhelming.
At the Ortiz Law Firm, we specialize in helping Florida residents secure the benefits they are entitled to—whether through long-term disability insurance or the Social Security disability system.
Our national disability law firm provides compassionate legal assistance to individuals throughout the Sunshine State, from the Keys and Miami to Pensacola, ensuring that each client receives the guidance and advocacy necessary to protect their rights.
Florida Long-Term Disability Insurance Claims
For individuals with long-term disability (LTD) insurance, receiving benefits should provide peace of mind when you’re unable to work due to a disability. Unfortunately, insurance companies often deny valid claims or delay payments, leaving policyholders in a difficult situation.
At the Ortiz Law Firm, we assist Florida residents with the following LTD services:
- Administrative Appeals: If your LTD claim has been denied or terminated, we can help you file an administrative appeal, ensuring that all necessary documentation and evidence is submitted to overturn the decision.
- Filing Lawsuits: If insurance companies continue to wrongfully deny benefits, our team is prepared to file a lawsuit on your behalf under the Employee Retirement Income Security Act (ERISA) or relevant state laws. We will fight for your rights to secure the benefits you deserve.
What Makes a Florida Long-Term Disability Claim Different?
Unlike many other states, Florida has not enacted laws that favor individuals filing disability claims. In Florida, insurance companies are often allowed to include “discretionary” language in their policies. This means that if a policy contains discretionary language, the insurance company’s decision to deny or approve benefits will only be overturned by a judge if the denial is found to be completely unreasonable—a high standard that can make pursuing a disability claim more difficult.
The Impact of a Discretionary Clause on Your Disability Claim
A discretionary clause places a significant burden on claimants. However, not all policies contain this language. Whether your policy has a discretionary clause can play a critical role in the outcome of your disability claim or lawsuit.
At our firm, we have the expertise to identify these provisions and are committed to challenging the insurance company’s interpretation of discretionary language. Our goal is to strengthen your case and help you secure the benefits you deserve.
Maximizing Your Recovery, Even Under Stricter Standards
Even if your policy contains a discretionary clause, our experienced legal team is well versed in working within this more difficult framework. We know how to use the law to your advantage. With a deep understanding of Florida law and the courts’ treatment of ERISA cases, we’re here to make sure you make the most of your legal rights and maximize your potential benefits.
Florida Social Security Disability Claims
In addition to LTD claims, our firm is also highly experienced in handling Social Security Disability Insurance (SSDI) claims. The Social Security Administration (SSA) has strict requirements, and many valid claims are initially denied.
Our team can guide you through the entire Social Security process, including:
- Initial Applications: We help you complete the initial SSDI application, ensuring that all necessary medical evidence is provided to improve your chances of approval.
- Requests for Reconsideration: If your claim is denied, we help you file a request for reconsideration, addressing any issues raised by the SSA and submitting new evidence as needed.
- Administrative Hearings: We represent clients at hearings before an Administrative Law Judge (ALJ), thoroughly preparing your case to increase the likelihood of a favorable outcome.
Local Expertise for Florida Disability Claims
Florida’s legal landscape for disability claims can be difficult to navigate without expert knowledge. Whether you are filing a claim through your LTD insurance provider or seeking Social Security benefits, our team at the Ortiz Law Firm understands the nuances of Florida law and the local court systems. We have successfully represented clients in cities such as Pensacola, Tallahassee, Jacksonville, Daytona Beach, Tampa, Orlando, St. Petersburg, Miami, and beyond.
Why Choose the Ortiz Law Firm?
At the Ortiz Law Firm, we are committed to providing personalized legal assistance to each client. Our disability attorney, Nick Ortiz, has decades of experience handling both LTD and SSDI claims, and has a track record of success in Florida. We believe that no one should have to face the legal system alone, especially when dealing with the stress of a disability.
Get a Free Consultation for Your Disability Claim
Whether you’re facing an LTD claim denial or preparing to apply for SSDI benefits, our team is here to help. Contact us today for a free consultation to learn how we can help you with your disability claim. Call us at (888) 321-8131 or fill out our contact form to get started.