Long-Term Disability Basics

In this video, disability lawyer Nick A. Ortiz explains what long-term disability insurance is.

In this video, disability attorney Nick A. Ortiz explains what a "day in the life of" video is and why you should consider submitting a "day in the life of" video with an administrative appeal.

In this video, disability attorney Nick A. Ortiz explains what an ERISA long-term disability plan is and what it covers.

Long-term disability insurance companies often use Vocational Consultants or job experts in LTD claims. Some claimants hire their own vocational consultants as well. This video explains what a vocational consultant is and how they are used in long-term disability insurance claims.

This video addresses the use of Functional Capacity Evaluations (FCEs) and Independent Medical Examinations (IMEs) in long-term disability insurance claims.

A long-term disability insurance company uses various pieces of evidence against LTD claimants in the interest of issuing a denial letter.

Key evidence to any long-term disability insurance claim includes an Attending Physician Statement (APS). These are also called Residual Functional Capacity (RFC) forms, Physical Capacity Evaluation (PCE) forms, and Medical Source Statements. This video explains why a form that has been customized for your particular medical condition is significantly better than the APS provided by your insurance company.

This video explains why it's important to tell your story to the long-term disability insurance company during the appeal process. Here's a tip: it is important for the appeal and it is important in case your claim goes to court in the future.

This video goes into detail as to why it important to obtain a complete copy of your long-term disability insurance policy or plan if your LTD claim has been denied or terminated.

Long-term disability insurance companies often deny claims under a "Pre-Existing Condition" exclusion in the LTD policy. If your claim has been denied under the pre-existing condition clause of your policy, you may still have legal rights.

This video explains some of the differences between long-term disability policies issued as part of a group plan by an employer and individual disability insurance policies.

In this video, disability attorney Nick A. Ortiz explains that there are several key pieces of evidence in a long-term disability claim that will be reviewed by the insurance adjuster handling your case.

In this video, disability attorney Nick A. Ortiz discusses whether social media can have an impact on a claim for long-term disability insurance benefit.

What will a claims administrator/insurer do to investigate a claim for long-term disability insurance benefits? Disability attorney Nick A. Ortiz explains everything you need to know in this video.

In this video, disability attorney Nick A. Ortiz discusses long-term disability insurance claims for government employees.

If you think your long-term disability insurance company is NOT conducting some sort of video surveillance on you, that's a big mistake. Disability attorney Nick Ortiz explains everything you need to know in this video.

In this video, disability attorney Nick A. Ortiz explains the long-term disability insurance company's point of view.

In this video, Nick A. Ortiz explains why it is so difficult to win a long-term disability (LTD) insurance claim.

Disability lawyer Nick A. Ortiz reveals the best way to communicate with the insurance company in a long-term disability claim.

In this video, disability attorney Nick A. Ortiz explains who determines if a claimant is disabled in a long-term disability insurance claim.