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
Long-term disability lawsuits are filed when individuals are denied benefits they believe they rightly deserve. You might wonder if pursuing legal action is worth the effort. Understanding the potential worth of your lawsuit is critical—it helps you set realistic expectations and plan your future. These cases often involve complex calculations and legal intricacies. Knowing what …
Predicting The Worth Of Your Long-Term Disability LawsuitRead More
// by Nick Ortiz
When it comes to long-term disability (LTD) claims under the Employee Retirement Income Security Act (ERISA), many claimants wonder if they can recover attorney fees if they win their case. The short answer is yes, it’s possible to recover attorney’s fees in an ERISA LTD claim, but it’s not guaranteed. The Legal Basis for Attorney …
Will The Court Award Attorney’s Fees In ERISA LTD Claims?Read More
// by Nick Ortiz
You’ve just received a long-term disability denial from your insurance company. It feels overwhelming. The legal jargon, endless paperwork, and pushback from the insurance company can make anyone feel lost. That’s where having an experienced disability insurance lawyer comes in. Navigating through disability insurance law isn’t easy. It’s filled with complexities and nuances that can …
// by Nick Ortiz
You might assume that a doctor or an independent reviewer decides your disability status. However, in almost all long-term disability insurance cases, the insurance adjuster is the gatekeeper between you and your benefits. Their job is to review your case, check medical records, and decide claims based on the applicable policy. The Role of the …
Who Decides If I’m Disabled In A Long-Term Disability Insurance Claim?Read More
// by Nick Ortiz
Medical evidence is the most important part of a long-term disability insurance claim or a Social Security Disability claim. The medical records provide evidentiary proof of the claimant’s disability. However, obtaining these records can be a daunting task, especially if you’re seeing multiple doctors and you’re worried about the cost. In this article, we will explain …
How To Get Medical Records For Your Disability Claim Without Breaking The BankRead More
// by Nick Ortiz
Dealing with a long-term disability claim can be overwhelming, especially when it comes to understanding the requirements to file a claim and to be approved for benefits. Proof of loss is a crucial part of the process. It’s essentially the information you provide to your insurance company to show that your illness or injury qualifies …
What You Need To Know About Proof Of Loss For Long-Term Disability ClaimsRead More
// by Nick Ortiz
Adverse benefit determinations are critical aspects of ERISA long-term disability claims. They refer to a decision made by an insurance company or plan administrator that denies or limits a claimant’s benefits. Understanding adverse benefit determinations is essential for claimants navigating the complex world of long-term disability claims. Understanding Adverse Benefit Determinations Adverse benefit determinations can …
// by Nick Ortiz
An incontestability clause prevents insurance companies from canceling your disability insurance policy after a certain period unless you’ve committed fraud. Understanding this clause can save you from future headaches and give you peace of mind. In the following sections, we’ll explain how this clause works, why it’s important, and what you need to look for. …
What An Incontestability Clause Means For Your Disability Insurance ClaimRead More
// by Nick Ortiz
Have you ever wondered how to effectively communicate the daily challenges of living with a disability when filing a disability claim? A client recently mentioned Spoon Theory to me. It is a universally recognized concept in the disability community that provides a powerful visual metaphor to explain the limited energy reserves that many people with …
// by Nick Ortiz
When dealing with a long-term disability denial, understanding if your claim falls under the Employee Retirement Income Security Act (ERISA) can significantly impact the process and outcome of your claim. ERISA, a federal law that sets standards for most employer-sponsored retirement and health plans, also governs certain long-term disability insurance policies. If your disability claim …
Is Your Long-Term Disability Claim Governed By ERISA? Key Signs To Look ForRead 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