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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Long-Term Disability

The Pitfalls Of Employer-Provided Long-Term Disability Policies

Long-term disability insurance offers financial protection if you cannot work due to an illness or injury. However, many employees encounter issues when claiming these benefits from their employer-provided policies. Understanding the potential challenges can help you prepare and navigate the process effectively. Issues with Employer-Provided Policies Policy Exclusions and Limitations Many employer-provided long-term disability policies …

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Communicating With Insurance Adjusters For Your Long-Term Disability Claim

Clear and strategic communication with insurance claims adjusters is essential for claimants seeking long-term disability benefits. Every interaction with the adjuster holds significant weight in the claims process, and effective communication is crucial to ensure you receive the benefits you deserve. However, many claimants face challenges in clearly and strategically communicating their situation and understanding …

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The Crucial Role Your Doctor Plays In Getting Your Disability Claim Approved

When applying for disability benefits, the support of your doctor is crucial. Their medical expertise and documentation are fundamental in proving the extent of your disability to the authorities. Without their cooperation and detailed input, getting your disability claim approved can become significantly more challenging. Understanding your doctor’s pivotal role in this process is essential …

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Understanding Third-Party Administrators In Disability Insurance Claims

Navigating the world of long-term disability insurance claims can be complex, especially when third-party administrators come into play. In this blog post, we will delve into the role of third-party administrators in disability insurance claims and the impact they can have on claimants. What Is a Third-Party Administrator In the Context of Disability Insurance Claims? …

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Overcoming Long-Term Disability Claim Challenges For Self-Employed Individuals

Long-term disability insurance is crucial for self-employed individuals, yet the claims process can be complex. Self-employed individuals face unique challenges when filing for long-term disability benefits, encountering hurdles that traditional employees may not experience. From proving loss of income to demonstrating the severity of their condition, self-employed individuals must navigate a distinct set of obstacles. …

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Benefit Limitations In Long-Term Disability Claims For Neuromuscular Disorders

Long-term disability claims for neuromuscular disorders can be complex and overwhelming. Navigating the process requires a clear understanding of the intricacies involved. From the initial application to potential appeals, each step demands attention to detail. This blog post will provide valuable insights to help you understand and navigate long-term disability claims for neuromuscular disorders. Understanding …

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Benefit Limitations In Long-Term Disability Claims For Soft Tissue Disorders

Long-term disability claims often involve soft tissue disorders, such as back pain, fibromyalgia, and chronic fatigue syndrome. In this blog post, we will delve into long-term disability claims for soft tissue disorders and the specific challenges and policy limitations associated with these claims. With this knowledge, claimants can navigate long-term disability claims for soft tissue …

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How To Transition From Short To Long-Term Disability Benefits

Are you researching how to transition from short to long-term disability benefits? Short-term disability (STD) benefits provide crucial support for individuals during the initial stages of their disability. However, short-term disability coverage usually only pays benefits for a few weeks to several months. If your disability lasts long enough to exhaust your STD coverage, you …

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Navy Federal Long-Term Disability Insurance Claims

Navy Federal Credit Union (“NFCU” or Navy Federal) is the largest credit union in the world and the largest private employer in Pensacola and Escambia County, Florida, with nearly 10,000 employees at the Pensacola campus. Navy Federal has excellent employee benefits, including long-term disability (LTD) insurance benefits. These claims are typically administered by New York Life Group …

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The Importance Of Long-Term Disability Insurance In The Oil And Energy Industry

Long-term disability coverage is important, especially for those in the oil, gas, or energy sectors. Workers often face dangerous conditions and physical demands in these industries that can lead to disability. These injuries range from minor sprains and strains to severe accidents and exposure to toxic substances, resulting in permanent disability. A long-term disability plan …

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