Ortiz Law Firm Represents Orlando Long Term Disability Claimants
Appealing the wrongful denial or termination of your long term disability benefits is no small burden. You have enough worries with respect to your medical treatment, medical bills, and other complications caused by your loss of income and deteriorating health. Therefore, you may need the assistance of an Orlando long term disability lawyer to help you navigate the administrative appeal process. The Ortiz Law Firm is ready to fight for the disability benefits that you deserve.
Why You Should Contact an Orlando Long Term Disability Lawyer Right Away
Most long term disability appeals must be submitted to the insurance carrier within 180 days of the date of the denial or termination, otherwise, you may be ineligible for the benefits you deserve. Under many long term disability insurance policies, you are not permitted to file a lawsuit against the insurance carrier unless you have “exhausted” your appeals. However, you cannot prepare a comprehensive appeal in a matter of days. You’ll need to obtain your claim file and policy from the insurance carrier, as well as obtain evidence to support your appeal. Therefore, you should speak with an Orlando long term disability lawyer immediately after receiving your denial or termination letter.
Conditions That May Qualify for Long Term Disability Benefits
Virtually any combination of conditions could qualify an individual to receive long term disability benefits. Some of the most common conditions that cause an individual to miss work include:
- Back pain
- Heart disease
You do not have to be suffering from one of the above-referenced conditions in order to qualify for long term disability benefits, but you must meet your insurer’s definition of the term “disability”. You will need to provide proof of disability to the claim adjuster in the form of lab and test results, x-rays, MRI scans, surgical reports, and notes from doctors that have treated you.
Tactics Used Against Orlando Long Term Disability Claimants
Long term disability insurance companies do not make money by paying out claims, and insurance claim adjusters are trained to delay and deny claims if possible. Some of the tactics commonly used against long term disability claimants include:
- Prolonging your claim process. Long term disability insurance companies will try to delay your claim by requesting duplicate copies of documents – documents that you have already provided – and by changing your claims adjuster. The new adjuster will need time to review the file, causing the decision to be delayed even further.
- Requiring multiple Independent Medical Examinations (IME). The long term disability insurance company does have the right to ask that you submit to this type of exam, but there have been cases of claimants going through 5 or more IMEs before a decision was issued.
- Video surveillance. It is not unusual for a long term disability insurance company to hire an investigator to conduct video surveillance of a claimant. Unfortunately, anything can be taken out of context, and the insurance company will try to use your activities to deny your claim.
Working with an Orlando Long Term Disability Lawyer
In summary, you should not allow our geographic location to limit your contacting us to see what we can do to help you. Let your lawyer deal with the tactics and tricks used by the long term disability insurance company.
Ortiz Law Firm offers a free case evaluation for claims that have been denied or terminated. Please give us a call right away at (866) 853-4512 to discuss your legal rights with a Jacksonville long term disability lawyer. We would welcome the opportunity to discuss your legal rights with you.