A disabling illness or injury can impact anyone. St. Louis is the second most populated city in Missouri, but it has a higher population of disabled individuals than Kansas City, which is the most populated city in the state. Many of those who are disabled suffer from one or more condition that is severe enough to prevent work activity. As such, the person may qualify to receive disability benefits. So what entity pays these benefits?
If you worked long enough – and recently enough – and paid Social Security taxes on your earnings, then you may qualify for Social Security Disability benefits. If you have a disability insurance policy you may also qualify to receive benefits from the insurance carrier. The three largest employers in Missouri – which are Ascension Health, Emerson Electric Co., and O’Reilly Automotive – all offer short term and long term disability insurance policies to their employees.
Do you need help with a St. Louis disability claim? Disability attorney Nick Ortiz offers a free case evaluation for disability insurance claims that have been denied or terminated and Social Security Disability claims between the initial application and hearing stage. Whether you have questions about Social Security Disability or you have already applied and been denied disability insurance benefits, the experienced legal team at Ortiz Law Firm can help.
St. Louis Long Term Disability, ERISA, and Disability Insurance Claims
Nick Ortiz and his experienced legal team will take on any insurance company operating in Missouri. You signed a contract when you purchased an insurance policy, and you expect the insurance company to live up to its end of the contract. We know that the insurance company is really a big business, and the goal of any business is to make a profit. Unfortunately for policyholders, making a profit means denying and terminating legitimate disability claims.
We will fight for the benefits that you deserve. That may include filing an administrative appeal in many cases or we may have to file a lawsuit against the insurance company. We evaluate each case on a case-by-case basis to determine the best course of action. If it is necessary to file a lawsuit 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.
Disability Insurance Claim Denials in St. Louis
You, like many other claimants, were likely surprised to learn that the insurance company denied your claim for disability insurance benefits. After all, you and your doctor know that you are disabled. You held up your end of the contract by paying your premiums each month. Your doctor has informed the insurance carrier that you are unable to work. So how could the insurance company find a reason to deny your long term disability claim?
What the insurance company doesn’t want you to know is that it may not have any legitimate reason to deny your claim. The insurance adjuster will cherry pick evidence that “supports” the decision to deny your claim, but that does not mean the decision will hold up in court. It is important that you remember that the insurance company is not your friend. The insurance company wants to avoid paying benefits in order to increase it’s profit margin, and it will use anything you say or do against you. It is not uncommon for the insurance company to check your social media and conduct video surveillance, all in an effort to find a reason to deny your claim.
The Ortiz Law Firm has recovered millions in denied benefits for disability claimants nationwide that were wrongfully denied by their insurance company. You do not have to take on the insurance company and limitless resources on your own. You are likely under enough stress already, so let us fight for the benefits that you deserve.
St. Louis Courts, Government, and Department of Insurance Information
Eastern District of Missouri | United States District Court
United States Court of Appeal for the Eighth Circuit
Official government website for the State of Missouri
Missouri Department of Insurance
Social Security Disability Claims in St. Louis
Almost everyone who has worked in the U.S. has contributed to the Social Security Disability program. If you have worked long enough and recently enough, you may qualify to receive Social Security Disability benefits. 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 in St. Louis, throughout the state of Missouri, and even nationwide with:
- Initial Applications;
- Requests for Reconsideration; and
- Requests for a Hearing before an Administrative Law Judge.
St. Louis SSA Locations and Resources
Directions to the local Social Security Administration Office
Schedule a Free Case Evaluation with a St. Louis Disability Lawyer
The long and short of it is you should not allow our geographic location to stop you from contacting us to see what we can do to help with your disability claim. We represent long term disability and Social Security Disability claimants in St. Louis and nationwide. 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 state of Missouri and unable to work due to an illness or injury, then please give us a call right away at (866) 853-7703 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.