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Ortiz Law Firm | National Disability Law Firm
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.
In this video, disability attorney Nick A. Ortiz explains why we represent individuals who have been denied long-term disability insurance benefits by companies like New York Life, Lincoln, Reliance Standard, Prudential, the Hartford, the Standard, MetLife, Guardian, Unum, Sun Life, and more.
Disability attorney Nick A. Ortiz discusses long-term disability insurance claims and whether an insured can sue for future benefits and attorney's fees when suing an insurer for long-term disability benefits.
In this video, disability attorney Nick A. Ortiz discusses long-term disability insurance claims and the chances of winning a lawsuit in court.
This video addresses the common reasons why long-term disability insurance companies terminate benefits after two years, or 24 months. If your LTD claim has been wrongfully denied, you have the legal right to appeal.
What To Do After A Final Long-Term Disability Denial
This video discusses what you should consider if your long-term disability insurance claim has been wrongfully denied or terminated.
In this video, disability attorney Nick A. Ortiz goes over the three steps you should take if a long-term disability insurance company has cut off or terminated your benefits.
This video gives a detailed explanation of the top ten reasons we have found that long-term disability insurance companies deny claims. You may recognize some of these as reasons cited in the denial letter in your own LTD claim.
The short answer is yes, the insurance company does have the right to deny your claim if they determine that you do not meet the definition of disability. In this video, disability attorney Nick A. Ortiz explains that under most long-term disability insurance plans the insurance company has the discretion to interpret plan provisions. What that means is they have the right to review your case determine whether you have satisfied the definition of disability.
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.
You can get long-term disability benefits for neck pain. This video explains the types of evidence that will help one qualify for long-term disability (LTD) insurance benefits for a neck pain problem (a problem with the cervical spine).
You can get long-term disability benefits for migraines. This video covers the types of evidence that will support a long-term disability (LTD) insurance disability claim due to a migraine headache disorder.
If you have a back pain disorder, you may be eligible for Long Term Disability Insurance benefits. If the LTD insurance company has denied your lumbar spine disorder claim or terminated benefits, then you have legal rights. In this video, disability attorney Nick A. Ortiz explains everything you need to know about back pain and long-term disability.
Disability lawyer Nick A. Ortiz discusses depression and long-term disability insurance claims.
Disability attorney Nick A. Ortiz discusses cardiac impairments and heart problems in long-term disability insurance claims.
Disability lawyer Nick A. Ortiz discusses long-term disability insurance claims associated with fibromyalgia.
In this video, disability attorney Nick A. Ortiz discusses what to do if you receive a Cigna long-term disability insurance buyout settlement offer and your options moving forward.
In this video, disability attorney Nick A. Ortiz explains the difference between settlement offers and buyout offers 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.