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
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
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
The most common response I receive from my clients is, “How am I supposed to see a doctor or go to the hospital if I don’t have any money or insurance?” This is a valid point. In fact, lack of money or health insurance to see a doctor is a legitimate excuse for not seeking …
How Am I Supposed To Get Medical Treatment Without Insurance Or Money For The Doctor?Read More
// by Nick Ortiz
Doctor shopping is the practice of seeking out multiple doctors – often to either: (1) obtain a specific diagnosis or medication or (2) find one that agrees with you on your disability or illness. Doctor shopping is not just for claimants; insurance carriers have also been known to doctor shop. Understanding Doctor Shopping? When we …
What Is Doctor Shopping And How Can You Protect Yourself?Read More
// by Nick Ortiz
People often ask us what the chances are that they will win a lawsuit in a long-term disability claim. It is impossible to answer with certainty because of the number of factors that go into the decision. However, we can speak from our firm’s own experience: First, we must clarify what we mean by “winning a lawsuit.” …
What Are My Chances Of Winning A Long-Term Disability Lawsuit?Read More
// by Nick Ortiz
When you’re going through the long-term disability application process the insurance company will typically send you an application that has a few pages of questions for you. One of the questions is, “What is it about your condition(s) that keeps you from being able to work?” There might be two lines for you to fill in why …
Why It’s Important To Tell Your Story To The Long-Term Disability Insurance CompanyRead More
// by Nick Ortiz
When you’re denied long-term disability benefits, you must go through the administrative review process. If your appeals are unsuccessful, the next step is to go to court. Winning an LTD claim in court can often feel like an uphill battle. In this post, we’ll delve into the reasons why winning an LTD claim in court is so challenging. When you …
Why Is It So Hard To Win A Long-Term Disability Lawsuit?Read More
// by Nick Ortiz
Creating a “Day in the Life of” video to submit with your long-term disability appeal can be crucial to the success of your claim. Documenting your challenges and limitations on video can effectively convey the reality of your situation to the disability insurance claims adjuster. What Is a Day in the Life of Video? A video can …
Why Your Long-Term Disability Appeal Should Include A “Day In The Life Of” VideoRead 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