Memphis is the second-most populous city in the state of Tennessee and home to many disabled individuals, with 10.3% of the population under age 65 living with a disability. Individuals suffering from conditions that are severe enough to prevent work activity often apply for Social Security Disability benefits or long-term disability insurance benefits, but most claims are denied. If your claim was denied, you may need the help of a Memphis disability lawyer.
Many of Tennessee’s largest employers, including HCA Healthcare, FedEx, and Vanderbilt University, offer disability insurance benefits to their employees as part of a group benefits package, and some professionals choose to obtain private insurance policies directly from an agent. The Social Security Disability (SSD) benefits program is another option, and you do not have to purchase a disability insurance policy to receive such benefits – most workers contribute to the Social Security Disability program through payroll taxes.
Ortiz Law Firm handles Memphis Social Security Disability and disability insurance benefits claims. If you live in Memphis, TN., and are no longer able to work due to a personal injury or illness, contact Ortiz Law Firm to schedule a free consultation with a member of our experienced legal team. We are not afraid to take on any of the major disability insurance companies or the Social Security Administration and we will fight for the disability benefits you deserve.
Memphis Long Term Disability, ERISA, and Disability Insurance Claims
Do you have a long-term disability insurance policy as part of a group or employer-sponsored plan, or maybe you purchased an individual disability insurance policy from an insurance agent?
If so, you can apply to receive disability benefits from the disability insurance company. Almost everyone makes contributions to the Social Security Disability program, but you must have a disability insurance policy in order to receive long-term disability benefits. Some professionals even obtain an individual policy directly from an insurance broker.
Either way, it’s important to know whether you have a group or individual policy so that you can be sure that you are following all the necessary steps as you pursue your claim for benefits.
For example, an individual policyholder may not have to go through the administrative appeal process following a disability claim denial. Instead, the claimant would be able to proceed directly to filing a lawsuit against the insurance carrier.
If you have a group or employer-sponsored disability policy and your claim is denied you will be required to go through the administrative appeal process. If you do have to file a lawsuit, the process for an individual disability claim is very different from that for a group disability claim.
Memphis Courts, Government, and Department of Insurance Information
United States District Court | Western District of Tennessee
United State Court of Appeals for the Sixth Circuit
Official government website for the State of Tennessee
Tennessee Department Commerce and Insurance
Western District of Tennessee Case Summaries
Claimant’s Failure To Apply For Social Security Disability Should Not Be Considered
Disability Attorney Assisting Claimants in Memphis, Tennessee
Have you been denied long-term disability benefits in Memphis or the surrounding area? If so, we encourage you to contact our office today to schedule your free consultation with an experienced disability attorney. We assist long-term disability claimants with the administrative appeal process and, if necessary, we will file a lawsuit against the disability insurance company.
We understand that you are under enough stress simply trying to adjust to life with a disability, and we believe that you should be focused on your health, not fighting for disability benefits. Let the Ortiz Law Firm fight for you so you can focus on what really matters – your health.
Memphis Social Security Disability Lawyer
You may not have a long-term disability insurance policy, but if you have worked in the United States, then it is very likely that you have paid into the Social Security Disability Insurance system. As such, you may be eligible to receive Social Security Disability benefits if you are unable to work due to your medical condition(s). Unfortunately, many claims for Social Security Disability benefits are denied. Many claimants turn to Social Security Disability lawyers for help getting their claim approved.
The Social Security Administration has another benefits program called Supplemental Security Income or SSI. These benefits are similar to Social Security Disability in that you must be disabled in order to qualify. However, there is no work requirement for SSI benefits. With an SSD claim, you have to have the required amount of work credits to qualify.
Although we are based in Pensacola, Florida, we handle Memphis Social Security Disability claims and offer a free consultation to claimants in Memphis, TN., and the surrounding area. Social Security Disability law is federal, so you can work with a Social Security Disability attorney located anywhere in the United States.
Our Social Security Disability attorneys handle all Social Security Disability claims on a contingency fee basis, meaning we only get paid if your claim is successful. We assist claimants with the Social Security Disability Claims application process, the appeals process, and with hearings before an administrative law judge.
Memphis SSA Locations and Resources
Directions to the local Social Security Administration Offices
Contact Ortiz Law Firm for a Free Consultation
Whether you need help with a disability insurance claim or a claim for Social Security Disability benefits, the Ortiz Law Firm can help. Nick Ortiz is a board-certified Social Security Disability attorney who knows how to get his clients the benefits they deserve. He and the experienced legal team at Ortiz Law Firm have recovered millions in benefits for past clients.
If you have a disability claim that has been wrongfully denied, do not wait to seek help. You only have a limited amount of time to appeal the decision. To schedule your free case evaluation with a Memphis disability attorney, call us at (888) 321-8131.