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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Non-Medical Eligibility for Long Term Disability Claims

What Is An Elimination Period In A Long-Term Disability Claim?

If you’re looking into long-term disability or individual disability insurance, you may have come across the term “elimination period.” This is an important concept to understand as it can affect when you will receive benefits if you become disabled. In this article, we will explain what the elimination period in a long-term disability claim is …

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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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Own Occupation vs Any Occupation In Long-Term Disability Insurance Claims

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 …

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When Is A Person Considered Disabled By A Long-Term Disability Insurance Company?

If you possess a long-term disability policy, either provided by your employer or through a policy you’ve acquired independently, you may qualify to receive disability benefits if you cannot work. The first step in determining your eligibility for benefits is to read your long-term disability (LTD) policy thoroughly. You can obtain a copy of your LTD plan from …

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Is Age A Factor In Long-Term Disability Claims?

Age is a factor in most long-term disability claims as most long-term disability policies have an age limit. Most disability insurance policies end either at age 65 or at the claimant’s Social Security Normal Retirement Age – which currently ranges between 65 and 67 years old. There are some exceptions to this – like if …

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How A Claimant’s Job And Education Affect Long-Term Disability Claims

Are you curious about how your job and education impact long-term disability claims? The type of work you do and your level of education can drastically affect your claim’s outcome. We’ll explore these factors and offer insights to help you navigate the process more effectively. Own Occupation vs Any Occupation The differences between own occupation and …

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