Disability is unpredictable and a disabling illness or injury can happen at any time. You may be involved in a car accident and suffer a debilitating spinal injury, or you may experience a sudden heart attack or stroke. According to the U.S. Census Bureau, 9.3% of the Huntsville population under the age of 65 is living with a disabling medical condition. If you are unable to work due to a disabling medical condition, a Huntsville disability attorney can help.
If you are unable to work as a result of an injury or accident and the insurance company has denied or terminated your claim then contact our office right away to see what a disability lawyer can do for you. Nick Ortiz and his experienced team at the Ortiz Law Firm represent long-term disability claimants and Social Security Disability Insurance (SSDI) claimants. We offer a no recovery, zero-fee guarantee, which means that we will only get paid if we are able to recover benefits for you.
Huntsville, AL Long Term Disability Lawyers
We represent long-term disability claimants in Huntsville, Alabama, whose claims have been wrongfully denied or terminated. We prepare and file administrative appeals on behalf of our clients. If necessary, we will also prepare and file a lawsuit against the insurance company.
Occasionally, when a disabled individual has been receiving LTD insurance benefits for an extended period of time, the insurance carrier will offer a lump-sum buyout instead of monthly benefits. However, the lump-sum buyout amount will likely be significantly less than the total amount a claimant would receive if benefits were paid through the claimant’s retirement age.
If you received a lump-sum buyout offer you should contact an attorney to review the offer. In many cases, the insurance company will offer to pay your attorney consultation fee so that you can get legal advice regarding whether you should accept the offer, meaning the consultation will be free for you.
We Handle Long Term Disability Claims Nationwide from Our Pensacola Office
Ortiz Law Firm is based primarily in Pensacola, Florida, but because most group plans are governed by ERISA, Nick Ortiz can handle a case anywhere in the United States. In fact, in the past few years, he has represented individuals from Alabama, Arizona, Colorado, Georgia, Illinois, Kansas, Louisiana, Maryland, Massachusetts, Minnesota, Mississippi, Missouri, Montana, Nevada, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia, and even claimants around the world (prior clients have lived in Morocco and the Philippines, for example).
There may be some situations where we may not be able to represent a claimant due to their location, but we still evaluate each case on a case-by-case basis. Nick Ortiz can either be admitted to your local federal court by what we would call a pro hac vice admission, or he can file a lawsuit here in the state of Florida. If we cannot assist you, we will attempt to refer you to another law firm that can.
Medical Requirements in a Long Term Disability Claim
The most time-consuming part of an LTD claim is obtaining the medical evidence to support your claim. The burden of proof falls on the claimant, which means it is your responsibility to provide supporting evidence to the insurance company. An LTD lawyer will carry this burden for you so that you can focus on your health instead of the administrative appeals process. Most policies require proof of objective evidence, which is evidence that the insurance company cannot deny exists, such as:
- Electrocardiograms
- X-rays
- MRIs
- CT Scans
- Blood tests
- Psychological tests
Huntsville, AL Courts, Government, and Department of Insurance Information
Northern District of Alabama | United States District Court
United States Court of Appeals for the Eleventh Circuit
Official government website for the State of Alabama
Alabama Department of Insurance
Huntsville Social Security Disability Lawyers
Coping with a disabling illness or injury is difficult enough, so let a Board Certified Social Security Disability lawyer fight for the benefits you deserve. Although our office is based in Pensacola, we assist claimants nationwide from the initial application process to a hearing before an Administrative Law Judge. As an added benefit, each client that hires a Social Security Disability attorney at Ortiz Law Firm receives a free membership to the Disability Academy – our online training program prepared by a Board-Certified Social Security Disability lawyer to help you build a winning SSDI case.
Huntsville, AL SSA Locations and Resources
Directions to the local Social Security Administration Office
Schedule a Free Case Evaluation with a Huntsville Disability Attorney
The long and short of it is you should not allow our geographic location to limit your contacting us to see what we can do to help you. Ortiz Law Firm offers a free case evaluation for individuals whose long-term disability claims have been wrongfully denied or terminated. We also offer free consultations for individuals seeking Social Security Disability benefits.
If you’re in the Huntsville, Alabama area and you are 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, regardless of your location. We would welcome the opportunity to discuss your claim with you during a free consultation.