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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.

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Home | Archives for Nick Ortiz | Page 12

Nick Ortiz

What Is Doctor Shopping And How Can You Protect Yourself?

July 15, 2020 // by Nick Ortiz

Doctor shopping is the practice of seeking out multiple doctors – often to either: (1) obtain a specific diagnosis or medication or (2) find one that agrees with you on your disability or illness. Doctor shopping is not just for claimants; insurance carriers have also been known to doctor shop. What Is Doctor Shopping? When …

Read moreWhat Is Doctor Shopping And How Can You Protect Yourself?
Category: Long-Term Disability

What Are My Chances Of Winning A Long-Term Disability Lawsuit?

July 15, 2020 // by Nick Ortiz

People often ask us what the chances are that they will win a lawsuit in a long-term disability claim. It is impossible to answer with certainty because of the number of factors that go into the decision. However, I can speak from our firm’s own experience. First, we must clarify what we mean by “winning a lawsuit.” …

Read moreWhat Are My Chances Of Winning A Long-Term Disability Lawsuit?
Category: Your Chances of Getting Approved for Disability Benefits

Why It’s Important To Tell Your Story To The Long-Term Disability Insurance Company

July 15, 2020 // by Nick Ortiz

When you’re going through the long-term disability application process the insurance company will typically send you an application that has a few pages of questions for you. One of the questions is, “What is it about your condition(s) that keeps you from being able to work?” There might be two lines for you to fill in why …

Read moreWhy It’s Important To Tell Your Story To The Long-Term Disability Insurance Company
Category: Long-Term Disability

Why Is It So Hard To Win a Long-Term Disability Lawsuit?

July 15, 2020 // by Nick Ortiz

When you’re denied long-term disability benefits, you must go through the administrative review process. If your appeals are unsuccessful, the next step is to go to court. Winning an LTD claim in court can often feel like an uphill battle. In this post, we’ll delve into the reasons why winning an LTD claim in court is so challenging. When you …

Read moreWhy Is It So Hard To Win a Long-Term Disability Lawsuit?
Category: Your Chances of Getting Approved for Disability Benefits

Why Your Long-Term Disability Appeal Should Include A “Day In The Life Of” Video

July 15, 2020 // by Nick Ortiz

Creating a “Day In The Life Of” video to submit with your long-term disability appeal can be crucial to the success of your claim. Documenting your challenges and limitations on video can effectively convey the reality of your situation to the disability insurance claims adjuster. What is a Day in the Life of Video? A video …

Read moreWhy Your Long-Term Disability Appeal Should Include A “Day In The Life Of” Video
Category: Long-Term Disability Denials and Appeals

What Are My Chances of Winning a Long-Term Disability Appeal?

July 15, 2020 // by Nick Ortiz

We are often asked, “What are my chances of winning a long-term disability appeal?” This is impossible to answer with certainty because of the number of factors that go into the decision. These factors include, but are not limited to, your age, education, work history, disabling medical conditions, and the medical evidence. That …

Read moreWhat Are My Chances of Winning a Long-Term Disability Appeal?
Category: Your Chances of Getting Approved for Disability Benefits

Long-Term Disability Insurance Company Tricks And Tactics

July 15, 2020 // by Nick Ortiz

When you file a long-term disability claim, remember that disability insurance companies are businesses looking to make a profit. These companies often use clever strategies to delay or deny your claim. If your insurance company has denied your claim, you should consider contacting a long-term disability attorney. We have extensive experience with …

Read moreLong-Term Disability Insurance Company Tricks And Tactics
Category: Long-Term Disability

Your Credibility And How The Insurance Company Assesses Your Complaints In Long-Term Disability Claims

July 14, 2020 // by Nick Ortiz

When applying for long-term disability benefits, your credibility can be the linchpin of your case. Insurers scrutinize every detail, from medical records to personal statements, to ensure that claims are legitimate. Establishing and maintaining your credibility throughout the application process is crucial for securing the benefits you deserve. In …

Read moreYour Credibility And How The Insurance Company Assesses Your Complaints In Long-Term Disability Claims
Category: Medical Eligibility for Long-Term Disability Claims

The Treating Physician Rule In Long-Term Disability Claims

July 14, 2020 // by Nick Ortiz

What – or who – is a treating physician? A treating physician is a medical doctor who provides medical treatment for you and has or has had an ongoing relationship with you. There must be a history of treatment between the medical provider and the patient for the medical provider to be considered a treating …

Read moreThe Treating Physician Rule In Long-Term Disability Claims
Category: Medical Eligibility for Long-Term Disability Claims

Ten Traps That May Disable Your LTD Insurance Claim

July 14, 2020 // by Nick Ortiz

The long-term disability claim process is often long and frustrating. Having to track down medical records and speak with insurance representatives can be tiresome, especially if you are dealing with the daily frustrations of your disability. You can help minimize your frustration by building a well-supported disability claim. Here, …

Read moreTen Traps That May Disable Your LTD Insurance Claim
Category: Your Chances of Getting Approved for Disability Benefits

If I Refuse Surgery, Can I Be Denied Long-Term Disability Insurance Payments?

July 14, 2020 // by Nick Ortiz

If you avoid following your doctor’s treatment plan as prescribed (like refusing to have surgery), the insurance company may claim that you are refusing to do what you need to do to get better so you can work and will deny your long-term disability claim for that. However, you should not be denied for failure to comply …

Read moreIf I Refuse Surgery, Can I Be Denied Long-Term Disability Insurance Payments?
Category: Medical Eligibility for Long-Term Disability Claims

How Long Do You Have To Be Disabled To Get Long-Term Disability Insurance Benefits?

July 14, 2020 // by Nick Ortiz

Having your long-term disability insurance claim approved is a significant first step towards receiving benefits. The next stage is waiting to receive payment. In a disability insurance policy, this is called the elimination period. What Is the Elimination Period? The elimination period is the period of time that you must wait to receive your first …

Read moreHow Long Do You Have To Be Disabled To Get Long-Term Disability Insurance Benefits?
Category: Medical Eligibility for Long-Term Disability Claims

How Do You Qualify For Long-Term Disability Insurance Benefits?

July 14, 2020 // by Nick Ortiz

When applying for benefits, you must provide evidence to prove that you qualify for long-term disability benefits. You must provide your insurance company with medical records from only the doctors treating you for your disability. Providing medical records that are not related to your disability is irrelevant and could hurt your claim. The …

Read moreHow Do You Qualify For Long-Term Disability Insurance Benefits?
Category: Medical Eligibility for Long-Term Disability Claims

Why It’s Important To Get A Copy Of Your Long-Term Disability Policy Or Plan

July 14, 2020 // by Nick Ortiz

At the end of the day, a long-term disability claim is governed by a contract. You, perhaps through your employer, but with an insurance company, have an agreement where if you’re unable to work they’re to pay you benefits under the disability plan. Most people, when they’re given this type of benefit through their employer, they receive …

Read moreWhy It’s Important To Get A Copy Of Your Long-Term Disability Policy Or Plan
Category: Long-Term Disability

The Insurance Company’s Point Of View In Long-Term Disability Claims

July 14, 2020 // by Nick Ortiz

In October 2017, I received an email from a long-term disability defense attorney announcing his involvement in a webinar. The webinar’s title was “ERISA Wrongful Denial of Benefits Claims: Procedural Prerequisites and Key Defenses.” The email laid out the issues they were going to cover, which gives you insight into how an …

Read moreThe Insurance Company’s Point Of View In Long-Term Disability Claims
Category: Long-Term Disability

Long-Term Disability Guidelines

July 14, 2020 // by Nick Ortiz

Completing paperwork for your long-term disability claim is one of the first steps in the process. While it is essential to provide accurate and thorough information, too often people share too much or not enough on their paperwork that can open the door for a denied claim. Five Simple Guidelines To Follow When Applying For Long-Term …

Read moreLong-Term Disability Guidelines
Category: Long-Term Disability

Long-Term Disability For Government Employees

July 14, 2020 // by Nick Ortiz

For the purpose of this article, we’re classifying government employees as anyone who works for a municipality, state, or the United States federal government. Another thing to clarify is that we’re talking about government employees with long-term disability insurance policies through a group plan or their employer. We are not talking about plans …

Read moreLong-Term Disability For Government Employees
Category: Long-Term Disability

Will My Social Security Benefits Affect My Long-Term Disability?

July 14, 2020 // by Nick Ortiz

Long-term disability (LTD) and Social Security Disability Insurance (SSDI) are two very different disability benefits: Being approved for Social Security disability benefits can be a long process- usually longer than the long-term disability process. For this reason, it is good to have a long-term disability policy as well. You may be under the …

Read moreWill My Social Security Benefits Affect My Long-Term Disability?
Category: Long-Term Disability

How Much Does Long-Term Disability Pay?

July 14, 2020 // by Nick Ortiz

If you become disabled during the time you are employed full-time, you may be eligible for disability benefits. How much you will earn will be dependent on your policy. Sometimes the wording in long-term disability policies can be lengthy and confusing. Here are the answers to some frequently asked questions about long-term disability …

Read moreHow Much Does Long-Term Disability Pay?
Category: Long-Term Disability

Can A Long-Term Disability Lawyer Speed Up A Case?

July 14, 2020 // by Nick Ortiz

Some people get approved within weeks after their initial appeal; others take many more months or even years longer than the average. The following timeline is based on our years of experience in handling dozens of short-term and long-term disability claims. It can be a very helpful tool for anyone going through the disability claims …

Read moreCan A Long-Term Disability Lawyer Speed Up A Case?
Category: Working with a Long-Term Disability Attorney

Long-Term Disability Insurance Overview

July 14, 2020 // by Nick Ortiz

Long-term disability insurance is offered to help support you as a wage replacement if you’re sick or injured and unable to work. Unfortunately, what should be a relatively straightforward claim process is anything but. Despite paying your premiums for months, years, or even decades, your insurance company may unfairly deny your …

Read moreLong-Term Disability Insurance Overview
Category: Long-Term Disability

What To Do If Your Long-Term Disability Claim Has Been Denied

July 14, 2020 // by Nick Ortiz

If your long-term disability claim has hit a roadblock with a denial, you’re not alone in your struggle. Many individuals find themselves in a similar situation, unsure of what to do next. However, by being proactive and informed, you can work towards overturning the denial and obtaining the financial support you need during this challenging …

Read moreWhat To Do If Your Long-Term Disability Claim Has Been Denied
Category: Long-Term Disability Denials and Appeals

What Are Technical Denials In Long-Term Disability Claims?

July 14, 2020 // by Nick Ortiz

A technical denial of a disability claim occurs when you are denied based on a non-medical reason. If your claim has been denied for a technical reason, there is still time to seek an attorney specializing in long-term disability law. We have successfully represented claimants in disability cases across the United States.

Read moreWhat Are Technical Denials In Long-Term Disability Claims?
Category: Long-Term Disability Denials and Appeals

What If I Missed My Long-Term Disability Appeal Deadline?

July 14, 2020 // by Nick Ortiz

If you have applied for long-term disability benefits, you may experience a denial. When you receive notice from the insurance company that your claim has been denied, the clock starts ticking down for you to file an appeal. If you miss a deadline, you could forfeit your right to appeal the decision and not be …

Read moreWhat If I Missed My Long-Term Disability Appeal Deadline?
Category: Long-Term Disability Denials and Appeals
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