Disabled individuals in Charlotte can turn to the Ortiz Law Firm for assistance with disability insurance and Social Security Disability matters. Whether you need an attorney to appeal a long term disability denial or you are seeking representation for a hearing before an Administrative Law Judge, Ortiz Law Firm is here for you. We provide a free case evaluation for disability insurance claims that have been wrongfully denied or terminated, and for Social Security claimants at the initial application, reconsideration, and hearing stages of a claim. We will guide you through the process and fight for the benefits that you deserve.
Charlotte Long Term Disability, ERISA, and Disability Insurance Claims
Your long term disability insurance is intended to be there to protect you in case you are faced with a disabling injury or illness. You bought your insurance policy because you trusted that the insurance company would pay benefits if you are unable to work due to an illness or injury. You pay your premium so when you need to file a claim, you shouldn’t have a problem.
However, your insurance company is a business. Disability insurance companies do not make money by paying out claims. They make money by managing risk – hoping that from a large group of employees, only a few will file claims. The few who do need to file claims will find it difficult because the insurance claim adjusters are trained to delay and deny claims if they can. They are hoping you will get frustrated and give up.
If your long term disability claim has been denied or terminated, do not give up. You do not have to face the insurance company alone. You likely have enough worries with respect to your medical treatment, medical bills, and other complications caused by your loss of income and deteriorating health. Let our experienced legal team is ready to fight for the benefits you deserve.
We offer a free case evaluation if your long term disability claim has been wrongfully denied or terminated. We file administrative appeals on behalf of our clients and, if necessary, we will also file a lawsuit against the insurance company. We handle both group disability claims that are typically governed by ERISA regulations, as well as individual disability insurance (“IDI” or “DI”) policy claims. Although we do not typically handle short term disability cases, we may be able to help if your short term disability benefits have been denied and you also have long term disability coverage that may also be impacted.
Some long term disability claimants who have been receiving benefits for an extended period of time may receive a lump sum settlement offer from the insurance company. If you have received a lump sum settlement from your disability insurance company we encourage you to contact our office for help evaluating the fairness of the offer. We may also be able to negotiate for a higher settlement amount (though some offers may be non-negotiable.)
Charlotte Courts, Government, and Department of Insurance Information
Western District of North Carolina | United States District Court
United States Court of Appeals for the Fourth Circuit
Official government website for the State of North Carolina
North Carolina Department of Insurance
Western District of North Carolina Case Summaries
Sun Life Abused It’s Discretion in Terminating Claim
Charlotte Social Security Disability Claims
In addition to long term disability claims, we also represent Social Security Disability claimants. Nick Ortiz is a Board Certified Social Security Disability attorney with years of experience representing claimants at the initial application, reconsideration, and hearing stages of the process. We are now accepting cases nationwide so that we can help a greater number of individuals receive the benefits they deserve. The SSA has announced that it will begin conducting hearings using the Microsoft Teams platform, so it will be easier than ever to work with an attorney even if they are not in your local area. You need not settle for a general practitioner simply because they have an office within driving distance.
Even if you do have a long term disability policy, the insurance company will likely require you to apply for Social Security Disability benefits while you are receiving long term disability benefits. More often than not, the insurance company will refer you to a specialized organization such as Allsup or The Advocator Group. You are not required to work with the recommended organization and are free to seek out a Board Certified Social Security Disability attorney instead.
Charlotte SSA Locations and Resources
Directions to the local Social Security Administration Office
Schedule a Free Consultation With an Charlotte Disability Lawyer
Do not let our geographic location discourage you. If you suffer from an illness or injury that prevents you from working you should contact our office right away. We offer a free case evaluation for individuals whose long term disability claims have been wrongfully denied or terminated. We also offer free consultations for those seeking Social Security Disability benefits at the initial application, reconsideration, or hearing stages. If we are unable to assist you for any reason we will make every effort to refer you to another attorney.
If you’re in North Carolina and unable to work due to an illness or injury, then please give us a call right away at (866) 853-4512 to discuss your legal rights. We review each claim on a case-by-case basis and we would welcome the opportunity to discuss your claim with you.