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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.
A project manager’s long-term disability (LTD) benefits were capped at 24 months after Unum classified his cognitive impairment as falling under the policy’s mental illness limitation. The court sided with Unum, finding that the evidence — including opinions from Gill’s own treating physicians — did not establish that his cognitive deficits were independent of his …
When dealing with a long-term disability denial, understanding if your claim falls under the Employee Retirement Income Security Act (ERISA) can significantly impact the process and outcome of your claim. ERISA, a federal law that sets standards for most employer-sponsored retirement and health plans, also governs certain long-term disability insurance policies. If your disability claim …
I recently had the privilege of representing a client whose long-term disability (LTD) benefits were wrongfully terminated after ten years of receiving monthly benefits. Our client, a 62-year-old from Rhode Island, had previously thrived in a highly demanding cybersecurity role as a data security specialist. However, because of severe and progressively worsening health conditions, they …
Navigating the complexities of a long-term disability denial can be overwhelming. After facing a denial, understanding how to request your claim file and policy is crucial. Reviewing your claim file is essential to gain insight into the reasons behind the denial and to explore potential avenues for appeal. This guide will walk you through the …
Are you wondering how to secure Social Security disability benefits for your dependents? Understanding the ins and outs of this process can be crucial for providing financial support for your loved ones. Disability benefits for dependents can offer monetary help to improve their well-being significantly. This blog post will guide you through the eligibility criteria …
A social worker’s long-term disability (LTD) claim for chronic fatigue syndrome was denied by Hartford and upheld by both the federal district court and the court of appeals. Independent reviewers concluded her fatigue was more likely tied to pre-existing psychiatric conditions than to a separate physical impairment, and both courts found Hartford’s review process reasonable …
Social Security disability video hearings have become an increasingly common way for claimants to present their cases to administrative law judges. With the convenience of virtual platforms, these video hearings offer a practical solution for individuals who may face challenges attending in-person hearings for a variety of reasons. In this blog post, we will explore …
Understanding the Date Last Insured (DLI) is crucial when applying for Social Security Disability Insurance (SSDI). The DLI serves as a cutoff point for individuals seeking SSDI benefits. But what exactly does it mean, and why is it significant? Understanding the Date Last Insured The Date Last Insured represents the last date a person is …
Here is a list of your legal rights concerning your claim for long-term disability insurance benefits. This is not a complete list but is intended to highlight some of your most important rights. Seven Legal Rights Concerning Your Claim for Long-Term Disability 1. You Have the Right to Buy an Individual Policy Directly from an …
Having a medical expert (ME) at your Social Security disability hearing can significantly impact the outcome of your case. These professionals are vital in providing expert testimony and medical evidence to support your disability claim. Medical experts bring a wealth of knowledge and experience to the table, helping to clarify complex medical conditions and their …
Sandra Mucciacciaro filed suit against Hartford Life and Accident Insurance Company after it denied her long-term disability (LTD) claim. Both parties filed cross-motions for summary judgment, and the case was decided in the U.S. District Court for the District of New Jersey. The disability plan at issue was governed by ERISA. At the center of …
Navigating a disability claim can be a daunting journey, especially for those grappling with disabilities that are hard to prove. Conditions involving chronic pain and fatigue may pose significant challenges when it comes to providing tangible proof, as their symptoms are often subjective and fluctuate in nature. These disabilities can be met with skepticism and …
Have you ever wondered if you can take a vacation while on disability benefits? It’s a common question among claimants receiving Social Security disability or long-term disability benefits. Enjoying some time away may seem appealing, but it can also raise concerns about how it may affect your benefits. This blog post will delve into taking …
A collections representative with serious cardiac conditions and COPD lost her long-term disability (LTD) lawsuit against Hartford after the court found the insurer’s denial was reasonable and supported by substantial evidence. Despite her argument that the stress of debt collection work would aggravate her heart condition, the court found Hartford had not ignored that evidence …
Long-term disability claim forms can be daunting and overwhelming, but completing them efficiently is achievable with a clear understanding and the right approach. Whether navigating the process for yourself or assisting someone else with the paperwork, knowing how to complete a long-term disability claim form is crucial. By breaking down the form into manageable sections …
A facilities technician who received long-term disability (LTD) benefits from Unum for several years following back surgery lost his case after the insurer terminated his claim and the court found the decision was reasonable and supported by substantial evidence. The court rejected his arguments challenging Unum’s medical reviewers, vocational analysis, and alleged conflict of interest. …
Yes — it can, and in more than one way. Long-term disability (LTD) benefits replace a portion of your income when illness or injury prevents you from working, and a severance agreement can interfere with those benefits in ways that aren’t obvious until it’s too late. Depending on the language involved, signing could reduce your …
A wireline operator who received long-term disability benefits for years after two back surgeries lost his ERISA lawsuit after LINA terminated his claim and the court sided with the insurer’s medical reviewers over his treating physician. The court found that non-treating physicians who relied on objective evidence — including imaging studies and surgical outcomes — …
Most disability insurance policies require claimants to complete an Activities of Daily Living (ADL) form when applying for long-term disability benefits. ADL forms offer a tangible way to demonstrate the extent of limitations caused by a disability. When completed correctly, they clearly show how a condition impacts a person’s day-to-day life and functionality. By accurately …
Applying for Social Security Disability benefits involves more than submitting medical records. The Social Security Administration (SSA) also wants to understand how your medical condition affects your daily life and ability to work. One of the most important ways they gather this information is through the Function Report. The Function Report is Form SSA-3373, sometimes …
Are you navigating the complexities of ERISA long-term disability claims and seeking to ensure a full and fair review of your case? This article will delve into your right to a full and fair review under ERISA regulations to equip you with essential knowledge for a successful claim. What Is a Full and Fair Review …
A legal assistant with chronic back pain won a procedural victory when the First Circuit Court of Appeals found that United of Omaha violated ERISA by using an independent medical report to uphold her long-term disability (LTD) benefit termination without ever giving her a copy of it or a chance to respond. The case was …
Are you applying for Social Security benefits and wondering how to correctly fill out the SSA’s work history form? Understanding the importance of accurately completing this form is crucial, as it directly impacts your eligibility for benefits and the amount you may receive. We will guide you through filling out the SSA’s work history form, …
Long-term disability insurance offers financial protection if you cannot work due to an illness or injury. However, many employees encounter issues when claiming these benefits from their employer-provided policies. Understanding the potential challenges can help you prepare and navigate the process effectively. Issues with Employer-Provided Policies Policy Exclusions and Limitations Many employer-provided long-term disability policies …