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According to the U.S. Census Bureau, 7.6 percent of Phoenix residents are disabled by some type of injury or illness. This percentage may seem high, but in the right context, almost any condition can be disabling.
Whether it is diabetes or a broken bone, many different illnesses and injuries can leave you unable to earn an income. The inability to earn a living can be a frightening situation for most people. Very few people have enough money to cover their regular living expenses and medical costs without a regular paycheck.
Fortunately, there are benefits you can apply for to help. If your employer offers long-term disability insurance, you may be eligible for benefits if you have an illness or injury that prevents you from doing your job. Major employers in Phoenix, such as Infusionsoft, PetSmart, Circle K, the State of Arizona, and Banner Health, offer disability insurance benefits to their employees. Another option is Social Security Disability Insurance (SSDI) benefits.
Phoenix Long-Term Disability, ERISA, and Disability Insurance Claims
We represent long-term disability claimants in Phoenix, throughout Arizona, and across the country. Most long-term disability insurance claims are governed by a federal regulation called ERISA. Under ERISA, you don’t have the right to a jury trial, and in most cases, extensive discovery is not allowed.
This means that most of the work involves paperwork, brief writing, and mail correspondence. It’s highly unlikely that you’ll have to appear in court, so we can handle federal court cases anywhere in the country.
We help people appeal denied long-term disability claims. If necessary, we can file a lawsuit against the insurance company on your behalf. If you live in the Phoenix area and are unable to work due to injury or illness, contact the Ortiz Law Firm. Call us today at (888) 321-8131 to schedule a free case evaluation.
Phoenix Courts, Government, and Insurance Department Information
- United States District Court for the District of Arizona
- United States Ninth Circuit Court of Appeals
- Government of the State of Arizona
- Arizona Department of Insurance
Long-Term Disability Case Summaries from Arizona Courts
- Prudential Failed to Provide a Full and Fair Review
- Can a Peer Review Doctor Outweigh My Doctor’s Opinion?
Common Injuries and Illnesses That Cause Disability
Some injuries and illnesses are so severe that you can’t perform the important duties of your job at all. Here are some common disabilities for which we’ve helped past clients obtain the individual or group long-term disability benefits they deserve:
- Fibromyalgia: Fibromyalgia causes widespread pain, fatigue, and tenderness in certain areas of the body. Many Americans suffer from this debilitating medical condition.
- Multiple Sclerosis: Multiple sclerosis (MS) is an ongoing autoimmune disease that attacks the central nervous system, including the brain, spinal cord, and optic nerves. As MS progresses, symptoms worsen and the risk of disability increases.
- Spine Disorders: A major cause of disability is the pain associated with spinal diseases and injuries. This pain usually occurs when changes in the bones put pressure on the spinal cord or nerves. Spinal injuries and diseases can also limit a person’s ability to move.
- Crohn’s Disease: Crohn’s disease causes inflammation and tissue damage that requires long-term treatment. In most cases, this condition is considered chronic, meaning it lasts for a person’s entire life. Crohn’s disease is a type of inflammatory bowel disease (IBD).
- Post Traumatic Stress Disorder: Post-traumatic stress disorder, or PTSD, is an anxiety disorder triggered by a traumatic event. While many people associate PTSD with military personnel, it can be triggered by any traumatic experience. Survivors of sexual assault, victims of gang violence, and witnesses to violent crimes are among the many people affected by PTSD.
If you have been diagnosed with any of the above conditions, or any other condition that affects your ability to work, you may be entitled to claim long-term disability benefits.
Phoenix Social Security Disability Claims
We represent Social Security Disability Insurance claimants in Phoenix and the surrounding areas. We assist claimants with claims at the following stages:
- Initial Application
- Request for Reconsideration
- Request for Hearing before an Administrative Law Judge
Phoenix SSA Locations and Resources
- Directions to local Social Security Administration offices
- Social Security Administration Website
- Phoenix Office of Hearing Operations
- Phoenix (North) Office of Hearing Operations
Call Disability Attorney Nick Ortiz for a Free Case Evaluation
Nick Ortiz is an experienced disability insurance attorney who knows how to get his clients the benefits they deserve. He and the legal team at the Ortiz Law Firm have recovered millions in benefits for past clients. Call us at (888) 321-8131 or contact us online to schedule a free case evaluation with a Phoenix disability lawyer,