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A disabling illness or injury can happen at any time. You may be involved in a car accident and suffer a debilitating spinal injury, or you may experience a sudden heart attack or stroke. We help disability claimants with a variety of medical conditions qualify for benefits. If you cannot work because of an accident or illness and the insurance company has denied or terminated your claim, then contact our office right away to see what our long-term disability attorney can do for you. We offer a no recovery, zero-fee guarantee, which means that we will only get paid if we can recover benefits for you.
Ortiz Law Firm Helps Long-Term Disability Claimants in St. Petersburg
People often ask us, “Can you represent me if I’m not in your local area?” The answer is yes! We can represent long-term disability claimants anywhere in the United States. Here’s why:
Many long-term disability claims are governed by a federal regulation called ERISA. These claims don’t require a jury trial or extensive in-person proceedings. Instead, the process involves a lot of paperwork, brief writing, and mail correspondence. This means we can handle federal court cases in any state.
Although based in Pensacola, Florida, attorney Nick Ortiz can handle cases throughout Florida. Communicating with us is easy, no matter where you are. We use email and phone calls to keep in touch with our clients, and most documents that need a signature can be signed with electronic signature services.
Non-Medical Requirements
There may be some qualifying requirements to be eligible for long-term disability insurance benefits, such as being a “full-time” employee. Some standard requirements include:
- You must meet the employment requirement. You must become disabled during the time you are or were employed.
- You must meet the minimum work hours requirement. Most policies require you to work full-time, but the exact requirements will be outlined in your policy.
- You must meet the waiting period requirement. In most cases, there is a period that you must wait to receive benefits, sometimes called an “elimination period.”
Medical Requirements
The most time-consuming part of a long-term disability claim is obtaining the medical evidence to support your claim. Ultimately, it is the claimant’s burden to provide proof of their disability. Most policies require proof of objective evidence, which is evidence that the insurance company cannot deny exists, such as:
- Electrocardiograms
- X-rays
- MRIs
- CT Scans
- Blood tests
- Psychological tests
Working With a St. Petersburg Long-Term Disability Attorney
Don’t let our geographic location to limit your contacting us to see what we can do to help you appeal a long-term disability denial. The Ortiz Law Firm offers a free case evaluation for claims that have been denied or terminated. Call (888) 321-8131 today to discuss your legal rights with an experienced long-term disability attorney helping claimants in St. Petersburg. We would welcome the opportunity to discuss your legal rights with you.