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The Ortiz Law Firm represents disability claimants in Orlando, Florida, and the surrounding areas, including Eustis, Lake Mary, Sanford, and Winter Park. If you have a long-term disability insurance claim that was wrongly denied or terminated, or if you need help getting Social Security Disability Insurance benefits, we can help.
Orlando Long-Term Disability Claims
Appealing the wrongful denial or termination of your long-term disability benefits is no small burden. You have enough to worry about with your medical treatment, medical bills, and other complications caused by your loss of income and deteriorating health. That is why you may need the assistance of an Orlando long-term disability lawyer to help you navigate the administrative appeals process. The Ortiz Law Firm is ready to fight for the disability benefits that you deserve.
Why You Should Contact an Orlando Long-Term Disability Lawyer Immediately
Most long-term disability appeals must be filed with the insurance carrier within 180 days of the date of the denial or termination, or you may not receive the benefits you deserve. Under many long-term disability insurance policies, you may not file a lawsuit against the insurance carrier until you have “exhausted” your appeals.
However, you cannot prepare a comprehensive appeal in a matter of days. You’ll need to obtain your claim file and policy from the insurance carrier, as well as obtain evidence to support your appeal. Therefore, you should speak with an Orlando long-term disability lawyer immediately after receiving your denial or termination letter.
Conditions That May Qualify for Long-Term Disability Benefits
Virtually any combination of conditions can qualify an individual for long-term disability benefits if severe enough. Some of the most common conditions that cause an individual to miss work include arthritis, back pain, heart disease, fibromyalgia, depression, and diabetes.
You do not have to have any of the above conditions in order to qualify for long-term disability benefits, but you must meet your insurer’s definition of disability. You will need to provide evidence of disability to the claims adjuster in the form of lab and test results, X-rays, MRI scans, surgical reports, and notes from doctors who have treated you.
Tactics Used Against Orlando Long-Term Disability Claimants
Long-term disability insurance companies do not make money by paying out claims, and insurance claim adjusters are trained to delay and deny claims whenever possible. Some of the tactics commonly used against long-term disability claimants include:
- Prolonging the Claim Process: Long-term disability insurance companies will try to delay your claim by requesting duplicate copies of documents – documents that you have already provided – and by changing your claims adjuster. The new adjuster will need time to review the file, further delaying the decision.
- Requiring Multiple Independent Medical Examinations (IME): While the long-term disability insurance company has the right to require you to undergo this type of examination, but there have been cases where claimants have gone through 5 or more IMEs before a decision was made.
- Video Surveillance: It is not uncommon for a long-term disability insurance company to hire an investigator to conduct video surveillance of a claimant. Unfortunately, anything can be taken out of context, and the insurance company will try to use your activities to deny your claim.
Orlando Social Security Disability Attorney
In addition to long-term disability claims, the Ortiz Law Firm also handles Social Security Disability claims in Orlando and the surrounding area. Although our home office is located in Pensacola, we have the tools and resources necessary to represent claimants anywhere in the country.
SSA Locations and Resources
- Directions to the local Social Security Administration offices
- Social Security Website
- Orlando Office of Hearing Operations Information
Note: The SSA Orlando Hearing Office serves Cocoa, Cocoa Beach, Eustis, Kissimmee, Lake Mary, Leesburg, Ocala, Orlando, Sanford, and Winter Park, Florida.
Work with an Orlando Disability Lawyer
Don’t let our geographic location keep you from reaching out to see how we can help with your claim. Let an experienced attorney handle the tactics and strategies used by long-term disability insurance companies on your behalf.
At the Ortiz Law Firm, we offer a free case evaluation for denied or terminated claims. Call us today at (888) 321-8131 to discuss your legal rights with a dedicated Orlando long-term disability attorney. We welcome the opportunity to provide you with expert guidance and help you protect your rights.