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According to the CDC, 22.9% of adults in Massachusetts have some type of disability. Worchester is the second most populous city in the state of Massachusetts and home to many disability claimants. Those who are unable to work due to a disability should contact the Ortiz Law Firm to see what we can do to help you obtain the disability benefits you deserve. Nick Ortiz has recovered millions of dollars in benefits for past clients.
Our experienced legal team represents long-term disability and Social Security Disability Insurance claimants in the Worchester area and throughout the state of Massachusetts. We assist long-term disability claimants whose claims have been wrongly denied or terminated, as well as Social Security Disability claimants.
The Ortiz Law Firm Handles Worchester Long-Term Disability Claims
Even the best-supported claim for benefits is likely to be denied at some point, whether it be during the initial application process or when the insurance company conducts a review of the claim. After all, the insurance company is a business and its goal is to make money. For an insurance company, that means denying claims. Your disability insurance company will do everything it can to delay, cut off, and wrongfully deny you the disability benefits you deserve. A long-term disability lawyer can help you appeal a denial.
Appealing a Long-Term Disability Denial
Anyone fighting for long-term disability insurance benefits should speak with an experienced ERISA disability attorney. The process and method of appealing a wrongful denial of disability benefits or to filing a lawsuit against the insurance carrier will vary depending on the disability policy that you have. A disability attorney will be able to determine exactly how you need to proceed. This is one of the most complicated areas of federal law, and so we highly recommend that you request a free case evaluation if your claim has been denied or terminated.
If you are an individual disability policyholder, then you may be able to take the insurance company to court without having to appeal the wrongful denial. You have the right to a jury trial and will have the opportunity to call witnesses. If you have a group policy, which is usually obtained through an employer, you do not have the same rights as those with an individual policy. If your claim is denied, you must go through an administrative appeal process with the insurance company before you can take them to court. Some policies require only one appeal, while others may require two.
Under the Employee Retirement Income Security Act (ERISA), which governs most group policies, your case is limited to the evidence that you submit with your claim and appeal(s). In a federal ERISA lawsuit, you can only introduce the documents and statements you have already provided to your insurance company. You do not have the right to a jury trial. Rather, the judge looks at the administrative record and makes a decision based on everything you and your insurer did during the claim and appeal process.
Despite these limitations, there is still hope. An experienced long-term disability attorney will stack the record with supporting evidence to give you the best chance at approval, even if it means filing an ERISA lawsuit. If you have already exhausted your administrative appeals, we will work with the information already in your file to obtain the most favorable outcome. Nick Ortiz and the legal team at the Ortiz Law Firm are prepared to take on any of the major disability insurance companies operating in Worchester and the surrounding areas.
Worchester Courts, Government, and Insurance Department Information
- District of Massachusetts | United States District Court
- United States Court of Appeals for the First Circuit
- Government Website for the State of Massachusetts
- Massachusetts Division of Insurance
District of Massachusetts Case Summaries
- Aetna Committed an Abuse of Discretion in Denying Plaintiff’s LTD Benefits
- SSA’s Eligibility Determination Not Binding on Aetna
- Vocational Expert Not Permitted to Consider All Records
Worchester Social Security Disability Claims
The Ortiz Law Firm also represents Social Security Disability Insurance claimants in Worchester, Massachusetts. The Social Security Administration conducts hearings using the Microsoft Teams platform and over the phone, making it easier than ever for Social Security disability attorneys to represent claimants across the country.
Nick Ortiz and his experienced legal team are ready to fight for the benefits you deserve. Although our office is located in Pensacola, Florida, we do represent Social Security Disability Insurance claimants in Worchester, Massachusetts at the following stages:
Worchester SSA Locations and Resources
- Directions to your local Social Security Administration office
- Social Security Administration Website
- Information about the Springfield Office of Hearing Operations
Schedule a Free Case Evaluation with a Worchester Disability Lawyer
If you are unable to work due to a disabling illness or injury and are struggling to get the disability benefits that you deserve, then contact our office today to schedule your free case evaluation. We represent long-term disability and Social Security Disability Insurance claimants in the greater Worchester area. We handle long-term disability appeals and lawsuits, as well as Social Security Disability Insurance claims. If your claim has been denied, you only have a limited time to file an appeal, so call us at (888) 312-8131 to find out how we can help.
