A disabling illness or injury can happen at any time. You could be in a car accident and suffer a debilitating spinal injury, or you could have a sudden heart attack or stroke. We help disability claimants with a variety of medical conditions qualify for benefits. If you are unable to work due to an accident or illness and the insurance company has denied or terminated your claim, then contact our office immediately to see what our long-term disability attorney can do for you. We offer a “No Recovery, Zero Fee” guarantee, which means we only get paid if we can recover benefits for you.
The Ortiz Law Firm Helps St. Petersburg Long-Term Disability Claimants
People often ask us, “Can you represent me if I’m not in your area?” The answer is yes! We can represent long-term disability claimants anywhere in the United States.
Many long-term disability claims are governed by a federal regulation called ERISA. These claims don’t require a jury trial or extensive in-person proceedings. Instead, the process involves a lot of paperwork, brief writing, and mail correspondence. This means we can handle federal court cases in any state.
Although based in Pensacola, Florida, Attorney Nick Ortiz can handle cases throughout Florida. Communicating with us is easy no matter where you are. We use email and phone calls to keep in touch with our clients, and most documents that require a signature can be signed using electronic signature services.
Non-Medical Requirements
There may be some eligibility requirements to be eligible for long-term disability insurance benefits, such as being a “full-time” employee. Some standard requirements include:
- You must meet the employment requirement. You must become disabled while you are or were employed.
- You must meet the minimum work hours requirement. Most policies require you to work full time, but the exact requirements will be outlined in your policy.
- You must meet the waiting period requirement. In most cases, there is a period of time you must wait to receive benefits, sometimes called an elimination period.
Medical Requirements
The most time-consuming part of a long-term disability claim is obtaining the medical evidence to support your claim. Ultimately, it is the claimant’s burden to prove their disability. 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, and psychological tests.
Working with a St. Petersburg Long-Term Disability Lawyer
You should not let our geographic location keep you from contacting us to see what we can do to help you appeal a long-term disability denial. The Ortiz Law Firm offers a free case evaluation for claims that have been denied or terminated. Call (888) 321-8131 today to discuss your legal rights with an experienced long-term disability attorney who helps claimants in St. Petersburg. We would welcome the opportunity to discuss your legal rights with you.
