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
How will a federal judge make a decision about an ERISA long-term disability lawsuit? There are two standards of review in ERISA cases: Both parties and the judge will review the LTD policy to determine whether it includes a discretionary clause that allows the insurance company to interpret the policy. Ultimately, the judge will determine …
The Standard Of Review In ERISA Long-Term Disability LawsuitsRead More
// by Nick Ortiz
Long-term disability insurance provides financial support to individuals who cannot work due to a disability. This type of insurance pays out a percentage of your pre-disability earnings to help maintain your quality of life. However, many people wonder whether they can continue to collect long-term disability (LTD) benefits while returning to work in a different …
Can I Work While Receiving Long-Term Disability Benefits?Read More
// by Nick Ortiz
Chemical and environmental sensitivities (CES) can lead to a wide array of disabling symptoms. In severe cases, these sensitivities can profoundly impact a person’s ability to work and complete regular life activities. When symptoms impact a person’s ability to perform their occupation, pursuing disability benefits is essential, especially if a claimant’s symptoms are specifically related …
// by Nick Ortiz
Disability insurance can be a crucial lifeline for individuals who cannot work due to severe health conditions. One of the common health issues that lead to long-term disability claims is musculoskeletal disorders (MSDs). The impairments caused by these conditions are real and can significantly impact the ability to work. However, individuals filing claims for these …
Benefit Limitations In Long-Term Disability Claims For Musculoskeletal DisordersRead More
// by Nick Ortiz
Today, I want to talk to you about what to do after you receive your final long-term disability denial letter from the insurance company. When I say final, what that means is when you file for long-term disability benefits, if you’re denied, you usually have a right to at least one, if not two, appeals. …
What To Do After The Final Long-Term Disability DenialRead More
// by Nick Ortiz
Long-term disability (LTD) insurance provides financial support to individuals who become disabled and cannot work for an extended period. When claimants file disability claims with a long-term disability insurer, they may also apply for Social Security Disability benefits (SSDI). In fact, most disability insurance policies require claimants to apply for Social Security Disability Insurance benefits. …
// by Nick Ortiz
Living abroad can be an exciting adventure, but it can also be a bit nerve-wracking if you’re relying on long-term disability insurance benefits to provide you with income. Fortunately, if you have an individual or group long-term disability insurance policy, you may still be able to collect benefits while living outside of the United States. …
Can I Get Disability Insurance While Living Abroad?Read More
// by Nick Ortiz
Long-term disability insurance is designed to provide financial assistance to those who have become disabled and are unable to work for a long period of time. However, not all claims are approved, and many people are denied coverage. In this article, we will discuss the types of long-term disability claims that are most likely to …
// by Nick Ortiz
One of the most commonly requested documents by disability insurance carriers is an Attending Physician Statement (“APS”). Attending Physician Statement forms are provided by your insurance company to be completed by your doctor(s). The medical information your doctor provides on the Attending Physician Statement could make or break your claim. If you submit an incomplete …
// by Nick Ortiz
Long-term disability (LTD) insurance is a crucial safety net for many employees. These benefits provide financial security for a disabling illness or injury. While many employers offer LTD coverage as part of their benefits package, the claims process can often be complicated and frustrating, and many claims are denied. Why? Unlike Social Security disability adjudicators, …
How ERISA Attorneys Help With Long-Term Disability Insurance ClaimsRead 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