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If you are facing a long-term disability claim denial or struggling to get Social Security disability benefits in Florida, the process can be frustrating and overwhelming.
At the Ortiz Law Firm, we help Florida residents secure the benefits they are entitled to, whether through long-term disability (LTD) insurance or the Social Security disability system. As a national disability law firm, we represent individuals across the Sunshine State, from the Keys and Miami to Pensacola.
Meet Nick Ortiz
Nick Ortiz is a disability attorney with decades of experience representing claimants in LTD and SSDI cases. He founded the Ortiz Law Firm with a commitment to serving disabled individuals nationwide and has dedicated his career to protecting the rights of people who can no longer work due to illness or injury.
Nick is admitted to practice in multiple courts, including all Florida Districts (Florida Bar Number 12699). With his extensive experience in disability law, he represents clients across Florida with the same care and dedication he shows his local clients.
At the Ortiz Law Firm, Nick and his team combine legal skill with genuine compassion, ensuring each client receives the personalized attention and advocacy they deserve.
Long-Term Disability Insurance Claims in Florida
For many people, LTD insurance is meant to provide financial security when a serious medical condition prevents them from working. Unfortunately, insurance companies often delay or deny valid claims, leaving policyholders without the support they expected.
Our firm assists Florida residents with every stage of the LTD claim process, including:
- Administrative Appeals: If your LTD claim has been denied or terminated, we prepare a comprehensive appeal, submitting medical records, vocational evidence, and other documentation to fight for your benefits.
- Lawsuits: If the insurer continues to wrongfully deny your claim, we are prepared to file a lawsuit under ERISA or applicable state law and pursue the benefits you deserve in court.
What Makes Florida LTD Claims Unique?
Unlike some states, Florida allows insurers to include “discretionary clauses” in their policies. This language gives insurance companies significant power: their denial will only be overturned if a judge finds the decision completely unreasonable.
- Why it Matters – A discretionary clause places a heavy burden on the claimant, often making these cases more challenging.
- Our Advantage – We know how to identify discretionary provisions, challenge insurers’ interpretations, and build strong cases even under this higher standard of review.
Our experience with Florida courts and ERISA law allows us to maximize recovery for clients, even when faced with stricter claim standards.
The Impact of a Discretionary Clause on Your Disability Claim
A discretionary clause places a significant burden on claimants. However, not all policies contain this language. Whether your policy has a discretionary clause can play a critical role in the outcome of your disability claim or lawsuit.
At our firm, we have the expertise to identify these provisions and are committed to challenging the insurance company’s interpretation of discretionary language. Our goal is to strengthen your case and help you secure the benefits you deserve.
Social Security Disability Claims in Florida
In addition to LTD claims, we also represent individuals applying for Social Security Disability Insurance (SSDI). The Social Security Administration has strict rules, and many claims are denied early in the process — even when applicants are truly unable to work.
We guide clients through each stage, including:
- Initial Applications: Helping you submit a thorough, well-documented claim.
- Requests for Reconsideration: Addressing reasons for denial and submitting additional medical evidence.
- Administrative Hearings: Representing you before an Administrative Law Judge (ALJ) and presenting a strong case for approval.
Local Knowledge, Statewide Representation
Florida’s disability laws and courts have unique challenges. Our attorney, Nick Ortiz (Florida Bar #12699), is admitted in all Florida federal districts and has represented clients throughout the state, including Pensacola, Tallahassee, Jacksonville, Daytona Beach, Tampa, Orlando, St. Petersburg, and Miami.
Our office is conveniently located in downtown Pensacola at:
316 S. Baylen Street, Suite 590, Pensacola, FL 32502
We have successfully represented clients in cities such as Pensacola, Tallahassee, Jacksonville, Daytona Beach, Tampa, Orlando, St. Petersburg, Miami, and beyond.
Why Choose the Ortiz Law Firm?
- Decades of experience in LTD and SSDI claims
- Deep knowledge of Florida law and court systems
- Personalized representation and compassionate support
- Proven record of success helping disability claimants statewide
Get a Free Case Evaluation
No one should have to face a disability claim alone. Whether you are appealing an LTD denial or applying for SSDI benefits, we’re here to protect your rights and fight for your financial security.
Call us today at (888) 321-8131 or complete our online contact form to schedule a free case evaluation.
