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
With the coronavirus strain COVID-19 sweeping through the nation, the impact on disability insurance claims is still uncertain. Many courtrooms are still closed or modifying the way court is held. However, the Department of Labor (DOL) has not issued any new guidance on the claims procedures. Deadlines are still required to be maintained. This may …
Claims Regulations And Coronavirus: How Your LTD Claim Can Be AffectedRead More
// by Nick Ortiz
There is no question that COVID-19 changed how we do business in America. Within three months, the increase in the number of companies that allow employees to work from home has been compared to a tsunami. So, where does this leave people with a disability? What will happen to the people who are in the …
Could COVID-19 Change How Disabilities Are Treated In The Workplace?Read More
// by Nick Ortiz
After being accused of denying rides to people with disabilities in violation of the Americans with Disabilities Act (ADA), the popular ride-sharing service Lyft has agreed to update its policies and procedures to prevent further discrimination against people using foldable or collapsible wheelchairs and walkers and ensure equal access to rides. As part of a …
Lyft Updates Policies Following A Dozen Disability Discrimination ComplaintsRead More
// by Nick Ortiz
Question: “My job is saying I must resign since I am filing for long term disability and do not plan to return to work. Should I consider resigning due to a disability?” The simple answer is most likely “no.” In fact, if you resign, you will lose your long-term disability benefits altogether. Except for very …
What No One Tells You About Resigning Due To A Disability And Long-Term Disability ClaimsRead More
// by Nick Ortiz
When you file a long-term disability claim, it is common for the insurance investigator to call you and ask casual questions about your health and daily life. Next, they will say, “We want to send someone to your home to meet with you to discuss your claim.” This is called a field interview.
How To Prepare For A Disability Insurance Field InterviewRead More
// by Nick Ortiz
Residual Functional Capacity Forms play a pivotal role in evaluating disability claims. The disability claims handler deciding your long-term disability claim or Social Security Disability claim needs to assess your residual functional capacity (RFC) to determine if you can work. One way to accomplish this is by having a doctor assess your residual functional capacity and complete an RFC …
Residual Functional Capacity Forms [Download A Free RFC Form]Read More
// by Nick Ortiz
In a perfect world, anyone who suffers from a physical or emotional disability would have the resources to seek treatment and provide for themselves without supplemental income. But since we live in the real world, many people struggle to make ends meet during a period of disability. Long-term disability insurance is supposed to provide supplemental …
How To Improve Your Chances Of Getting Long-Term Disability BenefitsRead More
// by Nick Ortiz
Long term disability (LTD) insurance should provide financial assistance if an injury or illness substantially limits your ability to work. If you are self-employed, you can purchase an LTD policy from a broker or agent. However, most employees are covered under group policies provided by their employers. The Definition of Disability One of the most …
Own Occupation vs Any Occupation In Long-Term Disability Insurance ClaimsRead More
// 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
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