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
If you receive long term disability benefits and have been approved for SSDI, you likely have questions. You may wonder if your insurance company can sue to recover the overpayment. The answer is it depends. What Happens If I Don’t Pay Back Long Term Disability? Under certain circumstances, disability insurance companies may be able to …
Can An Insurance Company Sue To Recover An SSDI Overpayment?Read More
// by Nick Ortiz
It is not uncommon for a disability insurance company to order a peer review during the long-term disability appeal process. If your insurer has requested a peer review, you may have received a letter that states something like: We are writing to update you of the status of your appeal request for the above referenced …
Peer Review Reports In Long-Term Disability Appeals And Why You Should RespondRead More
// by Nick Ortiz
Are you or a loved one wondering how to apply for long-term disability? Understanding the process thoroughly is crucial to ensure you have the best chance of receiving the support you deserve. This post explains the application process and offers expert tips to help you navigate it confidently. This guide is written by a disability …
How To Apply For Long-Term Disability Insurance BenefitsRead More
// by Nick Ortiz
Long-term disability insurance provides a source of income for those who are unable to work due to illness or injury. However, understanding the tax implications of long-term disability (LTD) benefits can be confusing. Many people wonder whether their LTD benefits are taxable and how much of their benefits will be subject to taxation. In this …
Are Group Plan Long-Term Disability Benefits Taxable?Read More
// by Nick Ortiz
Chronic fatigue conditions are increasingly recognized for impacting a person’s ability to work and perform daily tasks. In many cases, sufferers of these conditions may need to resort to long-term disability (LTD) insurance. Unfortunately, the path to accessing these benefits is not always straightforward, with claimants often facing significant benefit limitations or wrongful denials. Claiming …
Benefit Limitations In Long-Term Disability Claims For Chronic Fatigue ConditionsRead More
// by Nick Ortiz
Staying afloat while waiting to be approved for disability benefits is a tricky issue in most cases. Help might be available while waiting for Social Security or long-term disability insurance payments, but you must piece it together. Below are some resources for claimants in the state of Florida. There may be similar resources available to …
Financial Assistance While Waiting On Disability – Florida ResourcesRead More
// by Nick Ortiz
Understanding the nuanced world of long-term disability (LTD) claims means understanding the differences between objective and subjective evidence. Objective evidence is physical, measurable proof of a condition, while subjective evidence typically comprises reported symptoms and experiences. The interplay of these two forms of evidence can significantly influence the outcome of a disability claim. Objective Versus …
Objective Versus Subjective Evidence In Long-Term Disability Insurance ClaimsRead More
// by Nick Ortiz
The Mental Health Foundation indicates nearly one in three people with a long-term physical condition also has a mental condition. Claimants with mental and physical ailments may worry that their insurance company will apply a mental health benefit limitation to their claim. This article discusses the importance of understanding your insurance coverage and situations where …
Does A Mental Health Benefit Limitation Apply To My Long-Term Disability Claim?Read More
// by Nick Ortiz
Today, we will discuss the steps you should take if you’ve received long-term disability benefits and the insurance company has terminated your claim. Here are the three steps to take following the termination of your long-term disability claim. Step 1: Request Your Claim File The first thing you need to do is request your claim …
Three Steps To Take If Your Long-Term Disability Claim Is TerminatedRead More
// by Nick Ortiz
When it comes to filing for long-term disability (LTD) benefits, many people assume that a medical diagnosis is the golden ticket to approval. While a diagnosis is an essential part of the process, it is not the only criterion that insurers or adjudicators consider. Understanding the nuanced differences between diagnosis and functional impairment can significantly …
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