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

The Long-Term Disability Process: From Application To Approved

After you have exhausted your short-term disability benefits (usually a requirement), you can apply for long-term disability (LTD) benefits. Knowing how the process will work before you apply is helpful. In this article, we walk you through the long-term disability process from application to award. Applying for Long-Term Disability Benefits Step 1: Request a Copy …

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How To Appeal A Long-Term Disability Denial: Your LTD Appeal Guide

My name is Nick Ortiz, and I am a national long-term disability attorney who has been appealing long-term disability claim denials since 2005. I wrote this LTD appeal guide to help non-attorneys successfully appeal a wrongful denial or termination of benefits. My mission is to provide you with the same forms and tactics I use …

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Claims Regulations And Coronavirus: How Your LTD Claim Can Be Affected

With the coronavirus strain COVID-19 sweeping through the nation, the impact on disability insurance claims is still uncertain. Many courtrooms are still closed or modifying the way court is held. However, the Department of Labor (DOL) has not issued any new guidance on the claims procedures. Deadlines are still required to be maintained. This may …

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Could COVID-19 Change How Disabilities Are Treated In The Workplace?

There is no question that COVID-19 changed how we do business in America. Within three months, the increase in the number of companies that allow employees to work from home has been compared to a tsunami. So, where does this leave people with a disability? What will happen to the people who are in the …

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Lyft Updates Policies Following A Dozen Disability Discrimination Complaints

After being accused of denying rides to people with disabilities in violation of the Americans with Disabilities Act (ADA), the popular ride-sharing service Lyft has agreed to update its policies and procedures to prevent further discrimination against people using foldable or collapsible wheelchairs and walkers and ensure equal access to rides. As part of a …

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What No One Tells You About Resigning Due To A Disability And Long-Term Disability Claims

Question: “My job is saying I must resign since I am filing for long term disability and do not plan to return to work. Should I consider resigning due to a disability?” The simple answer is most likely “no.” In fact, if you resign, you will lose your long-term disability benefits altogether. Except for very …

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Cassidy v. Aetna – Court Holds That There Is A Difference Between Diagnosis And Limitation

In Cassidy v. Aetna Life Insurance Company, the U.S. District Court for the Eastern District of Kentucky ruled in favor of Aetna in a Long Term Disability Insurance Claim. The decision was issued on May 21, 2021. The Long Term Disability Insurance claim was governed by the Employee Retirement Income Security Act of 1974 (ERISA). …

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Calkin v. USLIC – Court Finds Reasonable Basis For Long-Term Disability Claim Denial

Mr. Calkin was a 65-year-old manager of architectural design for AIG from June 10, 2013, through June 24, 2014. Mr. Calkin suffered from impingement syndrome in his left shoulder, brachial plexopathy (a form of neuropathy), bilateral shoulder pain, lower back pain due to degenerative disc disease and stenosis in his lumbar spine, degenerative joint disease in his left knee, as well as …

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Harrison v. LINA – Claim Denied Based On Pre-Existing Condition Exclusion

Ms. Harrison was a claimant who worked as a customer service representative for a cash advance lender. Her duties included selling financial products to customers, providing customer service, handling money, and overseeing financial transactions. She also suffered from depression and anxiety during her time at this place of employment. Ms. Harrison had suffered for many years from depression and …

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How To Prepare For A Disability Insurance Field Interview

When you file a long-term disability claim, it is common for the insurance investigator to call you and ask casual questions about your health and daily life. Next, they will say, “We want to send someone to your home to meet with you to discuss your claim.” This is called a field interview.

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