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
The long-term disability claim process is often long and frustrating. Having to track down medical records and speak with insurance representatives can be tiresome, especially if you are dealing with the daily frustrations of your disability. You can help minimize your frustration by building a well-supported disability claim. Here, we share some tips to help you build a …
Ten Traps That May Disable Your LTD Insurance ClaimRead More
// by Nick Ortiz
However, you should not be denied for failure to comply for the following reasonably compelling reasons: You cannot afford the treatment; The side effects of the medications are making your symptoms worse; The medications from different doctors are causing side effects to be worse; The prescribed medicine is against your religion; Your doctor says no …
If I Refuse Surgery, Can I Be Denied Long-Term Disability Insurance Payments?Read More
// by Nick Ortiz
Becoming disabled can be a scary thing. Most of us plan to work until at least retirement age. We expect to have our homes paid for, and children moved out by that time. But life is unpredictable, and sometimes people become disabled before retirement. It helps to understand how long it will take to start …
How Long Do You Have To Be Disabled To Get Disability Insurance Benefits?Read More
// by Nick Ortiz
When your disability insurance company is reviewing your long-term disability claim, they will be evaluating your credibility. They will be looking to see if the evidence you provided proves that you have been truthful about your symptoms, pain levels, and inability to work. The most common way the insurance company checks this is to see whether you …
// by Nick Ortiz
When applying for benefits, you will need to gather many documents from your doctors, but what information do you need to provide to prove that you qualify medically for long-term disability benefits? You must provide your insurance company with medical records from only the doctors treating you for your disability. Providing medical records that are …
How Do You Qualify Medically For Long-Term Disability Insurance Benefits?Read More
// by Nick Ortiz
At the end of the day, a long-term disability claim is governed by a contract. You, perhaps through your employer, but with an insurance company, have an agreement where if you’re unable to work they’re to pay you benefits under the disability plan. Most people, when they’re given this type of benefit through their employer, they receive …
Why It’s Important To Get A Copy Of Your Long-Term Disability Policy Or PlanRead More
// by Nick Ortiz
I recently received an email from a long-term disability defense attorney announcing his involvement in a webinar. The webinar’s title was “ERISA Wrongful Denial of Benefits Claims: Procedural Prerequisites and Key Defenses.” The email laid out the issues they were going to cover, which gives you insight into the long-term disability insurance company’s point of …
The Long-Term Disability Insurance Company’s Point Of ViewRead More
// by Nick Ortiz
Completing paperwork for your long-term disability claim is one of the first steps in the process. While it is essential to provide accurate and thorough information, too often people share too much or not enough on their paperwork that can open the door for a denied claim. Step 1: Don’t Generalize Your Symptoms Stating specifically how your …
// by Nick Ortiz
For the purpose of this article, we’re classifying government employees as anyone who works for a municipality, state, or the United States federal government. Another thing to clarify is that we’re talking about government employees with long-term disability insurance policies through a group plan or their employer. We are not talking about plans that were …
// by Nick Ortiz
Long term disability (LTD) and Social Security Disability (SSD) are two very different disability benefits. Long term disability insurance is a policy you buy (and/or your employer purchases) to help cover your expenses in the event you become disabled through injury or illness. The Social Security Disability benefits program is a government-funded program that you …
Will My Social Security Disability Impact My Long-Term Disability?Read 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