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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.
At Ortiz Law Firm, we recently helped a client secure the reinstatement of her long-term disability (LTD) benefits after Unum wrongfully terminated her claim. Through a strategic and comprehensive appeal, we were able to achieve a full reversal in less than 45 days. Background of the Claim Our client was initially approved for long-term disability …
You paid your disability insurance premiums faithfully. You trusted that you would be protected if you ever became too sick or injured to work. So when the denial letter from Lincoln Financial arrives, it can feel like a profound betrayal. In reality, the reason for the denial is rarely personal. Disability insurance companies operate under …
Navigating the Social Security Disability process can feel overwhelming, especially when a medical condition prevents you from working. Social Security Disability Insurance (SSDI) provides financial support to individuals who can no longer maintain substantial employment due to a qualifying disability, but approval requires meeting strict criteria set by the Social Security Administration (SSA). To qualify, …
Getting out of bed can feel like a physical feat. Focusing on a simple work email feels impossible. If your depression has made your job unsustainable, you’re likely asking if qualifying for disability with depression is an option. The answer is yes, but a successful claim doesn’t start with a call to HR; it starts …
Many applicants for Social Security Disability believe that earning a single paycheck will instantly destroy their chances of approval. Contrary to this popular fear, the administration actually offers a safety net known officially as an Unsuccessful Work Attempt (UWA). This rule acknowledges that trying to return to the workforce is often a test of your …
Navigating the world of long-term disability (LTD) benefits can feel overwhelming, especially when you are already dealing with a serious medical condition. If your symptoms are preventing you from working, understanding how to get long-term disability benefits is essential to protecting your income and financial stability. Long-term disability benefits are designed to replace a portion …
The Social Security Administration (SSA) has announced a major operational change that could affect how disability benefits are reviewed and how quickly new claims are processed. Whether you are applying for benefits or already receiving them, this update is more than just an internal policy change. It could directly affect how your case is handled. …
If you previously received Social Security Disability benefits and later returned to work, the 5-year waiting period rule plays an important role in whether you can restart your benefits without filing a brand-new application. This rule applies through a process called Expedited Reinstatement (EXR). Many claimants mistakenly assume that they must start the entire process …
In general, Social Security Disability benefits continue as long as a person remains disabled. However, under Social Security law, all disability cases must be reviewed from time to time to make sure that people receiving benefits continue to meet the disability requirements. Benefits continue unless there is strong proof that a person’s impairment has medically …
Fixing errors in your medical records is important—especially if you’re applying for long-term disability (LTD) or Social Security Disability (SSD) benefits. Both insurance companies and the Social Security Administration (SSA) rely heavily on your medical records to make decisions. Even small mistakes—like an incorrect diagnosis or missing test results—can impact your claim. Here’s how to …
Medicare. Medicaid. They sound so similar it’s easy to mix them up. Both programs are important for health, but they serve different needs. Clearing up this common confusion is the first step to knowing where you or a loved one might turn for help. Remember this simple distinction: Medicare is primarily for providing care to …
Many disability claimants believe Social Security Disability Insurance (SSDI) is based only on their current medical conditions. However, eligibility also depends on your work history, specifically whether you have earned enough work credits within the 5-year period before your disability began. This is often referred to as the 5-year work credit rule, and it can …
For many long-term disability (LTD) claimants, the struggle to keep working doesn’t stem from just one issue. It’s common to have both physical and mental health challenges—chronic pain, fatigue, or neurological issues often go hand-in-hand with depression or anxiety. But when it comes to insurance claims, this dual diagnosis can create a major risk. Most …
A new bipartisan bill in the U.S. Senate could significantly change how quickly Americans diagnosed with terminal illnesses or severe disabilities begin receiving their Social Security Disability Insurance (SSDI) benefits. Introduced by U.S. Senators Maggie Hassan (D-NH) and Susan Collins (R-ME), the We Can’t Wait Act seeks to provide eligible individuals the option to receive …
Your monthly disability check from MetLife provides a steady, reliable income. But what if the company offered you the next 10 or 20 years’ worth of payments all at once? This is called a lump-sum buyout—a single, large payment that replaces all future monthly checks forever. It’s an offer that can feel both exciting and …
Trying to explain how a bad day really feels can be overwhelming, especially when the right words disappear at a doctor’s appointment. What if you had a tool that could speak for you? Learning how to keep a symptom journal is one of the most powerful steps you can take, giving you a voice and …
If your Social Security Disability Insurance (SSDI) claim was selected for federal quality review, it’s natural to wonder why. The short answer is: your case was chosen at random as part of the Social Security Administration’s quality control process. It doesn’t mean there’s a problem with your claim, and it doesn’t mean you’re more or …
The Road From COVID to Disability Federal Court: Central District of CaliforniaInsurance Carrier: Metropolitan Life Insurance Company (MetLife)Employer: Google LLCOccupation: Senior Software Engineer Austin Baltes, a Senior Software Engineer at Google, contracted COVID-19 twice—first in 2020 and again in early 2022. Following the second infection, he began experiencing persistent fatigue, cognitive impairment, and memory issues. …
If New York Life denied or delayed your long-term disability (LTD) benefits, you are not alone. We routinely hear from claimants who did everything “right”—submitted forms, followed treatment, and kept the insurer updated—only to receive a denial letter that feels prewritten. The reality is that disability insurers follow patterns. Don’t make the mistake of assuming …
If New York Life denies or terminates long-term disability (LTD) benefits under an employer plan, your case is likely governed by ERISA. ERISA changes how the case is built, how a judge reviews it, and what you can recover compared to ordinary insurance lawsuits. Understanding these differences helps you plan the appeal and any lawsuit …
The dispute between Michael Cloud and the Bert Bell/Pete Rozelle NFL Player Retirement Plan centered on Cloud’s eligibility for the highest level of disability benefits because of injuries sustained during his NFL career, including multiple concussions. Cloud initially received lower-tier benefits, but sought an upgrade based on further evaluations of his condition. Key legal arguments …
When you’re already receiving long-term disability (LTD) benefits, applying for Social Security Disability Insurance (SSDI) may seem unnecessary. After all, you’re already getting monthly income. But applying for SSDI is often required by your LTD policy — and more importantly, it can provide powerful long-term advantages that protect your finances, your health coverage, and your …
If you’re preparing for a Social Security Disability hearing, you’re likely feeling anxious about what to expect—especially when it comes to testifying in front of the Administrative Law Judge (ALJ). You might worry about saying the wrong thing or forgetting an important detail. Then, during the hearing, your attorney interrupts you mid-sentence. It can feel …
A denial from New York Life doesn’t mean your claim is over—it means you’re entering the most important phase of your case: the appeal. This stage decides what evidence the insurer (and a court, if needed) will review. A common mistake I see claimants make is assuming that more paperwork means a stronger case. In …
