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A disabling illness or injury can affect anyone. St. Louis is the second most populous city in Missouri, but it has a higher population of people with disabilities than Kansas City, the state’s most populous city. Many of those who are disabled suffer from one or more conditions that are severe enough to prevent them from working. As such, the person may qualify for disability benefits. So what entity pays these benefits?
If you have worked enough – and recently enough – and paid Social Security taxes on your earnings, then you may qualify for Social Security Disability Insurance benefits. If you have a disability insurance, you may also qualify for benefits from your insurance company. The three largest employers in Missouri – Ascension Health, Emerson Electric Co., and O’Reilly Automotive – all offer short- and long-term disability insurance policies to their employees.
Do you need help with a St. Louis disability claim? Disability attorney Nick Ortiz offers a free case evaluation for denied or terminated long-term disability insurance claims and Social Security Disability Insurance claims between the initial application and hearing stages. Whether you have questions about applying or you have already applied and been denied, the experienced legal team at the Ortiz Law Firm can help.
St. Louis Long-Term Disability, ERISA, and Disability Insurance Claims
Nick Ortiz and his experienced legal team will take on any insurance company operating in Missouri. You signed a contract when you purchased an insurance policy, and you expect the insurance company to live up to its end of the bargain.
We understand that the insurance company is really a big business, and the goal of any business is to make a profit. Unfortunately for policyholders, making a profit means denying and terminating legitimate disability claims.
We will fight for the benefits you deserve. In many cases, this may involve filing an administrative appeal in many cases or we may have to file a lawsuit against the insurance company. We evaluate each case on a case-by-case basis to determine the best course of action. If it is necessary to file a lawsuit Nick Ortiz can either be admitted to your local federal court through what we would call a pro hac vice admission, or he can file a lawsuit here in the state of Florida.
St. Louis Disability Insurance Claim Denials
You, like many other claimants, were probably surprised to learn that the insurance company denied your claim for disability insurance benefits. After all, you and your doctor know that you are disabled. You have held up your end of the contract by paying your premiums each month. Your doctor has told the insurance company that you are unable to work. So how could the insurance company find a reason to deny your long-term disability claim?
What the insurance company doesn’t want you to know is that they may not have any legitimate reason to deny your claim. The insurance adjuster will cherry-pick evidence that “supports” the decision to deny your claim, but that does not mean that the decision will hold up in court.
It is important to remember that the insurance company is not your friend. The insurance company wants to avoid paying benefits in order to increase its profit margin, and it will use anything you say or do against you. It is not uncommon for the insurance company to check your social media and conduct video surveillance, all in an effort to find a reason to deny your claim.
The Ortiz Law Firm has recovered millions of dollars in denied benefits for disability claimants nationwide who were wrongly denied by their insurance company. You do not have to take on the insurance company and its unlimited resources on your own. You are probably under enough stress already, so let us fight for the benefits that you deserve.
St. Louis Courts, Government, and Insurance Information
- Eastern District of Missouri | United States District Court
- United States Court of Appeal for the Eighth Circuit
- Government Website for the State of Missouri
- Missouri Department of Insurance
Social Security Disability Claims in St. Louis
Almost everyone who has worked in the United States has contributed to the Social Security Disability Insurance program. If you have worked long enough and recently enough, you may qualify for Social Security Disability Insurance benefits. Coping with a disabling illness or injury is difficult enough, so let a Social Security Disability lawyer fight for the benefits you deserve. Although our office is located in Pensacola, we assist claimants in St. Louis, throughout the state of Missouri, and even nationwide with:
- Initial Applications
- Requests for Reconsideration
- Hearing before an Administrative Law Judge
St. Louis SSA Locations and Resources
- Directions to your local Social Security Administration office
- Social Security Administration Website
- Information about the St. Louis Office of Hearing Operations
Schedule a Free Case Evaluation with a St. Louis Disability Lawyer
The long and short of it is that you should not let our geographic location keep you from contacting us to see what we can do to help you with your disability claim. We represent long-term disability and Social Security Disability Insurance claimants in St. Louis and nationwide.
The Ortiz Law Firm offers a free case evaluation for individuals whose long-term disability claims have been wrongfully denied or terminated. We also offer free consultations for individuals seeking Social Security Disability Insurance benefits.
If you’re in the state of Missouri and unable to work due to an illness or injury, then please call us immediately at (888) 321-8131 to discuss your legal rights. We review each claim on a case-by-case basis, regardless of your location. We would welcome the opportunity to discuss your claim with you.