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.
// by Nick Ortiz
Long term disability (LTD) insurance should provide financial assistance if an injury or illness substantially limits your ability to work. If you are self-employed, you can purchase an LTD policy from a broker or agent. However, most employees are covered under group policies provided by their employers. The Definition of Disability One of the most …
Own Occupation vs Any Occupation In Long-Term Disability Insurance ClaimsRead More
// by Nick Ortiz
What Is an Independent Medical Examination? An independent medical examination (IME) is an exam performed by a medical professional not currently associated with your case. However, we don’t like using the term “independent” when referring to a medical examination ordered by a disability insurance company. The word independent is in quotes because we do not …
Independent Medical Exams In Long-Term Disability ClaimsRead More
// by Nick Ortiz
Many people on long-term disability worry about whether they will continue to receive benefits beyond the two-year mark, and for a good reason: Long-term disability denials after two years are common because most disability insurance policies change the definition of disability or will no longer pay benefits for certain conditions after benefits have been payable …
Why Are Long-Term Disability Denials After Two Years So Common?Read More
// by Nick Ortiz
When most people file a long-term disability appeal, it is a really basic, one or two-paragraph appeal letter that says, “Look, long-term disability insurance company. I really think you got this one wrong. I think there is more than enough evidence to support my long-term disability claim. I want you to go back, take another …
// by Nick Ortiz
The number one way that an attorney can make a difference in your personal injury claim is by starting the investigation of your case as early as possible. It is critical to explore the individual facts and circumstances of your case as early as possible. One of the most important things that needs to be …
Start The Investigation Of Your Personal Injury Case As Early As PossibleRead More
// by Nick Ortiz
An experienced attorney can help you locate all defendants in the case. What do I mean by that? Sometimes, there is one defendant who was driving the car, who owned that car. There’s no one else responsible for the accident, so there’s only one person to identify. But, in some circumstances, there may be more than one …
An Attorney Can Help Locate All Defendants In An Injury CaseRead More
// by Nick Ortiz
Most accidents are covered by insurance, because the reality is that most of the time the person who hit you, or who’s responsible for an accident, probably doesn’t have their own assets or enough money to fully compensate you for your injuries from the wreck. That’s why you really want to make a claim against the …
An Attorney Can Help Find All Appropriate Insurance CoverageRead More
// by Nick Ortiz
If your insurance carrier has denied or terminated your long-term disability claim, you should review your insurance policy to familiarize yourself with your appeal rights and requirements. Specifically, you should determine how many appeals you have the right to or are required to file before you can file a lawsuit against your insurer. Under the …
Should I File An Optional Long-Term Disability Appeal?Read More
// by Nick Ortiz
When you apply for Social Security Disability Insurance benefits (DIB, also called SSDI or RSDI), Social Security does not tell you that you can (or should) hire a lawyer to assist you in your claim. You Have the Right to Representation From the Beginning The Ortiz Law Firm is a disability law firm that was …
What The SSA Won’t Tell You About The Disability Application ProcessRead More
// by Nick Ortiz
A “closed period” of benefits may be appropriate where the claimant’s impairment has lasted for a continuous period of at least 12 months but improves to the point where the claimant is no longer disabled at the time the claim is ultimately decided (in other words, at the time of adjudication). To establish a closed …
A Closed Period Of Benefits In Social Security Disability ClaimsRead More
Ortiz Law Firm is a national disability law firm specializing in long-term disability appeals, disability insurance lawsuits, and Social Security Disability claims. Contact us for a free case review.
(888) 321-8131
316 S Baylen St., Ste 590,
Pensacola, FL 32502