Ortiz Law Firm is dedicated to helping people recover the disability benefits they deserve. We handle group Long Term Disability (LTD) claims, individual disability insurance policy claims, ERISA disability claims, and Social Security Disability claims.

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Nick Ortiz

4 Reasons Social Security Disability Claims For Mental Illness Get Denied

The top 4 reasons Social Security Disability Claims for Mental Illness get denied are: Social Security Disability attorney Nick Ortiz provides more detail on these issues below. Common Reasons the SSA Denies Claims for Mental Health Your Medical Records are Illegible or Don’t Provide Enough Infomation One of the biggest problems we face in a …

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Long-Term Disability Denials: 12 Reasons Your Claim Could Be Denied

When applying for long-term disability (LTD) insurance benefits, you must know that disability insurance companies deny many claims. Even if your disability insurance claim is initially approved, you need to know that your insurance company can terminate or cut off your benefits. If the insurance company decides you are no longer disabled, they can terminate …

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Long-Term Disability For School Board Employees

If you are a school board employee, you are likely covered by your county’s short-term disability (STD) and long-term disability (LTD) insurance plan. Disability insurance coverage is available to most individuals employed by public schools, such as teachers and janitorial staff, although certain requirements (such as working a certain number of hours each week) must …

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Schedule For Social Security Disability Payments [2025 Update]

Schedule For Social Security Disability Payments Social Security disability, survivor, and retirement benefits are paid in the month after they are payable. The benefit payment day is determined by the day of the month the payment recipient was born. For beneficiaries born between the 1st of the month and the 10th of the month, benefits …

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Archer v. Hartford – Court Upholds Long-Term Disability Claim Denial

The claimant in Archer v. Hartford Life and Accident Insurance Company was an Assistant Store Manager at TJX Marshall’s Department Store. She had group Long Term Disability (LTD) coverage. She also had life insurance benefits. Both of these categories of group benefits were issued and administered by Hartford. Hartford had what we call “discretionary authority”. As claims administrator …

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Knowing What Wins A Social Security Disability Claim (Free Webinar)

Sign up for our no cost, online training webinar and you will get exclusive training with Social Security Disability attorney Nick Ortiz. He will show you how to take control and build a winning claim for Social Security Disability benefits without hiring an attorney. Attendees will learn: How to exercise power over the outcome of your …

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5 Things You Need To Know About Long-Term Disability And Knee Injuries

How Chronic Knee Pain Can Disrupt Your Life The gut-wrenching sound of a knee injury is a familiar sound for athletes. You may have witnessed a knee injury watching a professional basketball game. Knee injuries account for 50% of all injuries in athletes. But knee injuries don’t just happen under the lights in a large …

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Why It Is Important For Your Doctor To Write Up Your Functional Limitations

Your functional limitations are the most critical evidence for your long term disability claim. Your insurance company is interested in how your disability affects your ability to work. The insurance claim examiner (and a judge if your claim goes to court) will look for you to provide detailed doctor’s notes on activity limitations. This information …

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The Do’s And Don’ts Of Traveling On Long-Term Disability

You can still have a life that involves traveling when you have a long-term disability. The disability insurance companies may not like it, but being on long-term disability doesn’t mean you are on house arrest. Traveling can be a little more complicated when receiving disability payments, but it is doable with additional planning. Here is a …

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Do Insurance Companies Use Drones To Spy?

The use of drones as a new way to gather information and decrease the costs of long-term disability insurance claim investigations is on the rise. Why Do Insurance Companies Use Drones to Spy? Insurance companies have the duty of investigating disability insurance claims. Most insurance claims are legitimate claims filed by truly disabled individuals. But …

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