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
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 …
Harrison v. LINA – Claim Denied Based On Pre-Existing Condition ExclusionRead More
// by Nick Ortiz
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.
How To Prepare For A Disability Insurance Field InterviewRead More
// by Nick Ortiz
Residual Functional Capacity Forms play a pivotal role in evaluating disability claims. The disability claims handler deciding your long-term disability claim or Social Security Disability claim needs to assess your residual functional capacity (RFC) to determine if you can work. One way to accomplish this is by having a doctor assess your residual functional capacity and complete an RFC …
Residual Functional Capacity Forms [Download A Free RFC Form]Read More
// by Nick Ortiz
In this case, Tommy W. Senegal (“Senegal”) had a long-term disability policy that was administered by Reliance Standard Life Insurance Company (“Reliance”) as a benefit of his employment by Cequel III, LLC (“Cequel”). Senegal worked for Cequel as a field service engineer; his duties were specifically related to supervising cable installation. This installation process involved …
Senegal v. Reliance Standard – Court Remands Reliance LTD Claim For Further ReviewRead More
// by Nick Ortiz
Marybeth M. Donlick (“Donlick”) was employed as a truck driver for Chesapeake Energy Corporation (“Chesapeake”). Through her employment, Donlick received coverage for a long term disability benefits plan, which was administered by Standard Insurance Company (“Standard”). On August 7, 2012, Donlick was in a motorcycle crash which caused her to have an amputation below her …
Donlick v. Standard – Standard Did Not Act In An Arbitrary And Capricious MannerRead More
// by Nick Ortiz
In this case, David Diaz (“Diaz”) was the district manager at JM Family Enterprises, Inc. (“JM Family Enterprises”) between September 2010 and October 2015. JM Family Enterprises’ had an employee benefit plan which covered long-term disability benefits. This plan was insured by Liberty Life Assurance Company of Boston (“Liberty”). Under the plan, the term “disabled” …
Diaz v. Liberty Life – Court Upholds Liberty’s Long-Term Disability DenialRead More
// by Nick Ortiz
Carianne Deroo (“Deroo”) worked as an employee for Beaumont Hospital as a Clinical Nurse II. This role involved full-time work as a registered nurse which required patient care. Through her employment with Beaumont Hospital, Deroo was covered by a long-term disability benefits policy which was administered by Unum Life Insurance Company of America (“Unum”). The …
Deroo v. Unum – Court Rules There’s No Suitable Job For ClaimantRead More
// by Nick Ortiz
Brenda Counts (“Counts”) previously worked as an employee of Denver Wholesale Florist-Flint as a flower sales specialist. Her job title was formally known as “Inside Sales Associate” which required “making sales calls, pulling product[,] and packing.” Through her job, she held a disability insurance policy with United of Omaha Life Insurance Company (“United”). Under this …
Counts v. United of Omaha – Court Rules That United Of Omaha Must Pay LTD BenefitsRead More
// by Nick Ortiz
Lisa Conner (“Conner”) was a perioperative nurse at St. Vincent’s Medical Center. Through her employment, she held a policy under the Ascension Health (“Ascension”) Long-Term Disability plan. Sedgwick administered this plan. The language of the plan explained that: On May 20, 2013, Conner was in a car accident that left her with injuries to her neck, left arm and left …
Conner v. Sedgwick – Court Rules LTD Claim Denial Was Reasonable And SupportedRead More
// by Nick Ortiz
Keyton Benson (“Benson”) was employed by Tower Hill Insurance Group. Through his employer, Benson was eligible for long-term disability benefits through a policy issued by Hartford Life & Accident Insurance Company (“Hartford”). The policy language states that it will provide a policyholder with monthly payments if he has: In addition, the policy defined “disability” or …
Benson v. Hartford – Court Upholds Hartford’s Decision To Deny LTD BenefitsRead 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.
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