Ortiz Law Firm Represents Miami Long Term Disability Claimants
According to the United States Census Bureau, 29.4% of individuals in Miami over age 5 suffer from some disability. In cities with over 100,000 people, Miami has the second-highest percentage of disabled individuals in the nation (second only to Paterson, New Jersey, which has the largest number with 29.8%).
If a disability insurance company has wrongfully denied or terminated your claim for benefits, an experienced long term disability lawyer can help you recover the benefits you deserve. To learn more about getting your claim approved or reinstated, you should speak with a Miami long term disability lawyer. They can guide you through the administrative appeal process, filing a lawsuit, or negotiating a lump-sum settlement.
You Can Hire the Ortiz Law Firm Regardless of Your Location
One of the first questions many claimants ask is, “Can I hire you even though you are not in my local area?”
Yes, you can! We help disability claimants anywhere in the United States, and we will explain how it works:
Most disability insurance claims are governed by a federal regulation called ERISA. In an ERISA claim, claimants do not have the right to a jury trial. In most cases, they do not have the right to engage in extensive discovery. The upside is that most of the work is paper-driven. There is a lot of brief writing and mail, but court appearances are rare. As a result, we can assist claimants with federal court cases anywhere in the country.
Miami Courts, Government, and Department of Insurance Information
Southern District of Florida Case Summaries
Ortiz Law Firm Is Dedicated to Securing the Benefits You Deserve
Navigating a long term disability appeal can be challenging. With a long term disability lawyer advocating for you, you can rest assured that your claim will be handled correctly and all administrative deadlines will be met. We understand the importance of a successful appeal and are well-versed in identifying the key issues that require attention. Your long term disability lawyer will meticulously review your claim file, determining the necessary additional medical and vocational evidence that should be included in the administrative record. Our team is adept at addressing any harmful information that may need to be disputed.
You Only Have a Limited Time to Appeal Your Denial
In an ERISA disability claim, you only have 180 days to submit an appeal. If you do not submit your appeal within the specified time frame, you may not be permitted to pursue your claim in court. Under many long term disability insurance policies, you cannot file a lawsuit against the insurance carrier unless you have “exhausted” your appeals. Therefore, we recommend speaking with a lawyer immediately after receiving your denial or termination letter.
Individual Policy v. Group Policy
If you have an individual disability insurance policy, the remedies available differ vastly from those under a group policy. If your policy is a group policy provided by your employer, it is most likely governed by ERISA. Certain state laws offering better protection and relief remedies are “preempted” by ERISA regulations. For example, you cannot sue for bad faith damages in an ERISA lawsuit, so an insurer has no real incentive to pay a claim. Claimants with an individual policy may not even have to file an appeal before proceeding to litigation.
Miami Social Security Disability Claims
We also help with Social Security Disability benefit claims. We are located in Pensacola, Florida, but we do represent claimants across the country in various stages of the claim process:
Miami SSA Locations and Resources
Call Ortiz Law Firm To Get Help With Your Claim
In summary, you should not let our location prevent you from contacting us. Ortiz Law Firm offers a free case evaluation for long term disability claims that have been denied or terminated and for Social Security claims between the initial application and hearing stages. Please call us at (888) 321-8131 to discuss your legal rights with a Miami disability lawyer. We would welcome the opportunity to discuss your legal rights with you.