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Ortiz Law Firm | National Disability Law Firm
Ortiz Law Firm is dedicated to helping people recover the disability benefits they deserve. We handle group Long Term Disability (LTD) claims, individual disability insurance policy claims, ERISA disability claims, and Social Security Disability claims.
Long-term disability (LTD) benefits can last anywhere from a few years to retirement age, depending on the specific terms of your policy. Understanding how long benefits might continue—and what might cause them to stop—is key to planning for your financial future. Here’s what you should know: Policy Terms Determine Duration Every LTD policy is different. …
Medical evidence is the foundation of any successful long-term disability claim. Whether you’re filing for benefits or appealing a denial, your medical records must tell a clear story about your condition, your treatment, and your ability (or inability) to work. In this post, we’ll walk through the types of medical evidence that matter most and …
When applying for Social Security Disability Insurance (SSDI), it’s essential to understand what factors the Social Security Administration (SSA) will consider. Certain aspects of your health and daily functioning play a role in determining eligibility, but there are also factors the SSA will not consider. Knowing what is or is not important can help claimants …
Are you considering applying for Social Security Disability Insurance (SSDI) benefits? One of the first questions on your mind may be, “How much will I receive each month?” Understanding your estimated benefit amount is important for financial planning. Here’s how to find your estimated Social Security Disability Insurance benefit. Pro Tip: It is best to …
Living with chronic illness is hard enough, but it is even more stressful when disability benefits are taken away. That’s what happened to one of our clients, who hasn’t been able to work because of several mental and physical health conditions. What started as a hopeful application for LTD benefits turned into a difficult fight, …
Getting (and keeping) long-term disability (LTD) benefits isn’t always easy. Recently, New York Life Insurance Company (the parent company of the underwriting company Life Insurance Company of North America) unfairly denied a claimant’s LTD benefits. Thankfully, we were able to turn things around on appeal. Our client has Central Sensitization Syndrome (CSS), a serious condition …
Reliance Standard Life Insurance Company, like many other disability insurers, frequently denies or terminates long-term disability (LTD) claims based upon “independent” physician reviews. These reviews play a significant role in the claims process and are often used to justify claim denials. Understanding how Reliance Standard conducts these reviews and how to respond effectively can make …
Yes, volunteering can affect your long-term disability (LTD) insurance claim. Even unpaid work might suggest that you are capable of performing job-related tasks. This could jeopardize your benefits. Before volunteering, it’s important to understand the risks and speak with your doctor. How Insurance Companies View Volunteering When you’re approved for LTD benefits, it’s because you’ve …
The Social Security Administration (SSA) has updated its Compassionate Allowances (CAL) list by adding 13 more medical conditions that now qualify for expedited disability benefits processing. This brings the total number of CAL conditions to 300. The Compassionate Allowances program identifies people whose medical conditions are so severe that they clearly meet the SSA’s definition …
Minnesota attorney Ann Wessberg prevailed in her ERISA lawsuit against Unum after the insurer terminated her long-term disability benefits despite documented cognitive impairments linked to chemotherapy. The court found that Unum relied on flawed reasoning and non-expert reviewers, ignoring credible medical evidence. It ordered Unum to reinstate benefits and pay attorney fees and interest.
Long COVID has left millions of people struggling with debilitating symptoms that disrupt every facet of their lives. Despite its recognized impact, disability insurance companies often attempt to deny claims by misclassifying the condition to trigger a mental or nervous limitation or citing a lack of objective diagnostic evidence. Claimants are labeled with Somatic Symptom …
Krueger filed for long-term disability benefits after developing POTS. Reliance Standard denied her claim, arguing it was a pre-existing condition based on earlier treatments for migraines and tachycardia. The court disagreed, finding Krueger’s symptoms and diagnosis were distinct and not properly excluded under the policy. It ruled in her favor and ordered Reliance to pay LTD benefits.
Ziegler filed suit after Sun Life denied her long-term disability claim for lupus and related conditions. Despite support from her treating physician, Sun Life relied on three independent rheumatologists who found insufficient objective evidence to support disability. The court upheld the denial, ruling that Sun Life did not abuse its discretion under the ERISA plan.
Dr. April Halleron, a Kentucky physician, filed for STD and LTD benefits due to disabling symptoms from POTS. Reliance Standard denied both claims, citing a pre-existing condition exclusion for STD and lack of evidence for LTD. The court found both denials procedurally flawed and arbitrary, especially for failing to consider her treating physician’s opinion. The case was remanded for a full and fair review under ERISA.
Our client’s life changed drastically in June 2022, when he suffered cardiac arrest that led to an anoxic brain injury. As a result of his condition, he could no longer work. He filed a claim for long-term disability (LTD) benefits with Mutual of Omaha, and the insurance company initially approved the claim, paying benefits for …
When Reliance Standard terminated Christine Ward's benefits in 2022, citing insufficient evidence, Ward challenged the decision. The court found Reliance failed to properly evaluate her cognitive limitations and lacked substantial evidence to support its decision.
If you’re unable to work because of an illness or injury, you may be eligible for more than one type of benefit. Two of the most common are long-term disability (LTD) insurance and workers’ compensation (WC). While it’s possible to get both, it’s important to understand how these benefits work together and how one can …
Being approved for short-term disability (STD) does not automatically mean you’ll be approved for long-term disability (LTD). While the two benefits are often linked, especially if they’re offered by the same insurance company, there are important differences in how they’re evaluated. Here’s what you need to know: 1. Separate Applications and Reviewers Even if you’re …
Mercer filed for long-term disability due to chronic conditions including fibromyalgia and chronic fatigue syndrome. Unum denied her claim, arguing she was not continuously disabled during the plan’s 180-day elimination period. Although Mercer submitted strong support from her doctors and a vocational expert, the court upheld Unum’s denial, finding it reasonable under ERISA’s “arbitrary and capricious” standard.
Our client, a senior principal electrical engineer, had dedicated his career to solving complex problems in a demanding technical field. However, after he suffered a traumatic brain injury (TBI) and developed post-concussion syndrome, memory loss, and additional complications, including edema, a Factor V Leiden mutation, ADHD, and anxiety and depression, he was unable to continue …
When shopping for or reviewing disability insurance, one important clause to understand is the “pre-existing condition exclusion.” This clause can significantly impact your ability to collect benefits if your disability is related to a medical condition you had before your coverage began. But here’s the key distinction: while pre-existing condition exclusions are common in long-term …
Starting June 2, 2025, Pensacola International Airport (PNS) is rolling out a new initiative that could make travel significantly more accessible for individuals living with invisible disabilities. The airport has officially joined the global Hidden Disabilities Sunflower Program, a voluntary system that helps travelers who may need additional time, support, or understanding while navigating the …
If you’ve been seriously injured or developed a long-term medical condition that prevents you from working, you may qualify for both Social Security Disability Insurance (SSDI) and workers’ compensation (WC) benefits. While you may be able to get both at the same time, there are important rules about how these benefits work together and how …
Hari Sami, a Florida shipping supervisor, sued Guardian after it terminated his long-term disability benefits without giving him an opportunity to respond to critical medical reviews. The court ruled that Guardian violated ERISA by failing to provide those reports in advance of its final denial. As a result, the case was remanded for further review, giving Sami another chance to prove his ongoing disability.
