Long-Term Disability Claims with Disability Insurance Specialists, LLC

Have you recently tried to get disability benefits from Disability Insurance Specialists, LLC, for yourself or a close family member, only to find that the claim was denied? Getting a long-term disability claim approved by an insurance company or third-party administrator can be much more difficult than most people realize.

In this article, we will discuss several topics that you should learn about in order to build your best case, including:

• Why long-term disability claims are often denied by Disability Insurance Specialists, LLC.
• Is Disability Insurance Specialists, LLC an insurance company?
• The difference between insurance companies and third party administrators.
• Getting help with your long-term disability denial; and
• How we can help if your long-term disability claim has been denied.

Long-Term Disability Claim Denied by Disability Insurance Specialists? You’re Not Alone

Disabled individuals often find themselves looking for help with their long-term disability claims after they have filed for benefits and the carrier has decided to deny the claim. You may be suffering from a variety of possible conditions, such as depression, chronic back pain, or some other serious physical or mental medical condition that affects your ability to work and perform your usual daily activities. Being disabled is difficult enough, and things only get harder when your insurer and its administrators try to use the rules and regulations against you to deny your claim.

At the Ortiz Law Firm, our team focuses primarily on long-term disability insurance benefit claims that have been wrongfully denied or terminated. We understand the common reasons that insurers deny claims and know how to fight back. We help with many different situations, including long-term disability appeals and lawsuits. If you have become disabled and are unable to work as a result, then you deserve disability benefits, and our team wants to make sure that you get them.

Is Disability Insurance Specialists, LLC an Insurance Company?

Disability Insurance Specialists, LLC was established in 1996. Disability Insurance Specialists, LLC is not an insurance company; they manage insurance claims and consult with insurance companies, reinsurance companies, and self-insured employers. Disability Insurance Specialists, LLC is known as an independent third party administrator. They want to help these companies implement solutions that meet their business objectives. Unfortunately, this often means denying disability benefits to claimants in need.

Insurance Companies and Third-Party Administrators

With that in mind, you may be wondering what some of the key differences are between insurance companies and third-party administrators and how they are related. An insurance company is a financial institution that offers insurance policies that are designed to protect you from financial loss in certain situations, such as disability. Through their policies, they can help those who experience loss by providing assistance when they need it. Insurance can cover many different aspects and categories, disability being one of them.

As for third-party administrators, such as Disability Insurance Specialists, LLC, their goal and work revolve around providing administrative services for insurance plans and insurance companies. They are the organization that handles insurance claims. Insurance companies typically use these third party administrators for their customer service because they act as the mediator. They are used as an intermediary between you and the insurance company.

Why Was I Denied Disability Benefits by Disability Insurance Specialists?

There are a variety of reasons why you may be denied disability benefits. Depending on your situation and the type of disability policy you have, several reasons could result in your claim being denied. Some of the most common reasons that people typically run into problems with their claim include:

• The carrier or administrator determines that there is not enough medical evidence,
• The medical evidence indicates that you can return to work and perform your regular job duties,
• There is a change in the definition of disability from your current job, or
• A vocational expert hired by the carrier believes you can return to work.

Get Help with Your Disability Claim Denial

If Disability Insurance Specialists, LLC denies your initial disability claim, you may assume that the denial is the end, and you cannot proceed. It is important to note that you still have options and should not give up. You have the right to gather additional medical records and any other evidence to support your claim that your medical condition prevents you from working. You can then submit this evidence to the insurer or third-party administrator as part of the appeals process.

The same is true for those who have received benefits for a period of time only to have them terminated before they can return to work. You can appeal the insurer’s decision to deny future benefits.

If you receive another denial in response to your appeal,, you can take further steps to recover your benefits by filing a lawsuit. While this may seem very confusing or even impossible to some people, our team at the Ortiz Law Firm can help guide you through the claims process following a denial of benefits.

How the Ortiz Law Firm Can Help

For individuals whose disability claims have been denied, you must take immediate action by contacting a trusted law firm that you can trust that specializes in this area, as you only have a limited amount of time to file an appeal. As you begin the appeals process, you will want to hire an experienced attorney who knows what they are doing and the ins and outs of the laws that apply to denied long-term disability insurance claims. At the Ortiz Law Firm, our team of professionals is ready to assist claimants in preparing and filing an appeal when their claims are denied.

Our firm will ensure that we have all of the appropriate information and medical evidence to support your claim for long-term disability benefits so that you don’t have to spend hours tracking down medical records and treatment notes. The insurance company must provide a reasonable amount of time to file an appeal after a disability claim is denied, with most policies allowing 180 days. The sooner you contact an attorney for help, the sooner you can appeal the denial of your claim.

We also try to generate additional medical evidence by creating custom Residual Functional Capacity forms or Medical Source Statements for your doctors to fill out. These forms are specific to your disability and supplement your other medical records and treatment notes. The forms are brief and will only take a few minutes for your doctors to complete, but they are designed to clearly communicate your various symptoms and limitations to the claims administrator evaluating your claim for benefits.

Here at the Ortiz Law Firm, we are ready to take on your claim and help you make the best possible appeal to ensure that you receive the disability benefits you deserve. Even if you have exhausted all of your appeals with the insurance company, an attorney may still be able to help by filing a lawsuit against the insurance company for denying your claim.

We have helped countless people recover millions of dollars in wrongfully denied disability benefits. We have gone up against many different popular insurance companies when it comes to these claim denials. Some of the insurance companies that we have litigated claims against include New York Life, Prudential, Cigna, Hartford, Unum, Lincoln, MetLife, and Guardian, as well as third-party claims administrators like Disability Insurance Specialists, LLC. If you are ready to fight back and file an appeal for your denied claim, our attorneys are ready to fight for the compensation you deserve.

Request a Free Case Evaluation

You will not want to wait too long to contact a disability lawyer at the Ortiz Law Firm if your claim has been denied. You will want to take a reasonable amount of time to properly execute your appeal properly, and we will also need time to gather proper medical evidence and other documents to support your claim, review the documents, and build a strong legal case for you. When you’re ready to get started, you can contact us at (888) 321-8131. We will schedule a free case evaluation with a long-term disability attorney.

If you prefer to contact our office online rather than by phone, we also have another option on our website. You can fill out a confidential contact form on our website to request a free case evaluation with an attorney. After filling out this form, we will contact you to schedule a free consultation to discuss a possible attorney-client relationship and how the Ortiz Law Firm can help you get the compensation you deserve.

Most disability policies will require that a claimant file for Social Security Disability Insurance benefits, so you can also let us know if you need help with a Social Security case. We handle both long-term disability and Social Security disability claims.