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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 13

Nick Ortiz

How To Appeal Your Long-Term Disability Case To Federal Court

July 14, 2020 // by Nick Ortiz

If you’re denied long-term disability insurance benefits by the insurance company, you may be eligible to appeal your long-term disability case to federal court. Litigation involves taking legal action or filing a lawsuit to protect your legal rights. Unlike an individual disability policy that is governed by state …

Read moreHow To Appeal Your Long-Term Disability Case To Federal Court
Category: Long-Term Disability Denials and Appeals

10 Things You Need To Know About Long-Term Disability Insurance Claims

July 14, 2020 // by Nick Ortiz

Long-term disability (LTD) claims are very different than most other types of cases, including personal injury cases and Social Security Disability Insurance cases (although a Social Security Disability claim will impact your long-term disability claim – more on that later). Disability insurance companies understand the disability rules and …

Read more10 Things You Need To Know About Long-Term Disability Insurance Claims
Category: Long-Term Disability

A List of Do’s And Don’ts For Appealing A Long-Term Disability Denial

July 14, 2020 // by Nick Ortiz

If your long-term disability (LTD) claim is denied, it’s natural to feel frustrated and overwhelmed. However, a denial isn’t the end of the road. You can appeal a long-term disability denial, and many claimants successfully reverse denials through the appeals process. Appealing a denial of a long-term disability claim for benefits under …

Read moreA List of Do’s And Don’ts For Appealing A Long-Term Disability Denial
Category: Long-Term Disability Denials and Appeals

Advanced Strategies For Long-Term Disability Appeals

July 14, 2020 // by Nick Ortiz

If your claim for long-term disability benefits has been denied or terminated, the next step is to submit an administrative appeal. These advanced strategies for long-term disability appeals can be expensive and are not used in every case, but they can be highly effective in select cases. First of all, you might order your own …

Read moreAdvanced Strategies For Long-Term Disability Appeals
Category: Long-Term Disability Denials and Appeals

When Is A Person Considered Disabled By A Long-Term Disability Insurance Company?

July 14, 2020 // by Nick Ortiz

If you have a long-term disability policy, either provided by your employer or through a policy you’ve acquired independently, you may qualify to receive disability benefits if you cannot work. The first step in determining your eligibility for benefits is to read your long-term disability (LTD) policy thoroughly. You can obtain a …

Read moreWhen Is A Person Considered Disabled By A Long-Term Disability Insurance Company?
Category: Medical Eligibility for Long-Term Disability Claims

Sworn Statements In Long-Term Disability Insurance Claims

July 14, 2020 // by Nick Ortiz

Why does the insurance company want your statement? The insurance company likely seeks your statement to find any inconsistencies between your account and the evidence in your file. Before the recorded statement, the insurance company may already have some information about you. The adjuster will have reviewed your benefits application, some of …

Read moreSworn Statements In Long-Term Disability Insurance Claims
Category: Long-Term Disability

Long-Term Disability Claims For Pre-Existing Conditions

July 14, 2020 // by Nick Ortiz

You’re probably here today because your long-term disability insurance company has denied your claim for benefits, saying they’re denying you due to a pre-existing condition. A pre-existing condition exclusion is a provision in a long-term disability insurance policy that limits or excludes coverage for a disability …

Read moreLong-Term Disability Claims For Pre-Existing Conditions
Category: Medical Eligibility for Long-Term Disability Claims

Medical Requirements For Long-Term Disability Claims

July 14, 2020 // by Nick Ortiz

Long-term disability claims are heavily decided by the medical evidence that is provided as part of fulfilling your “proof of claim” or “proof of loss.” Ultimately, it is the claimant’s burden to prove that a physical or mental condition has so negatively affected the claimant that the claimant can no longer continue in his or her …

Read moreMedical Requirements For Long-Term Disability Claims
Category: Medical Eligibility for Long-Term Disability Claims

Is Age A Factor In Long-Term Disability Claims?

July 14, 2020 // by Nick Ortiz

Age is a factor in most long-term disability claims as most long-term disability policies have an age limit. Reaching the Maximum Age For Benefits Most disability insurance policies end either at age 65 or at the claimant’s Social Security Normal Retirement Age – which currently ranges between 65 and 67 years old. There are some …

Read moreIs Age A Factor In Long-Term Disability Claims?
Category: Non-Medical Eligibility for Long-Term Disability Claims

How Occupation And Education Affect Long-Term Disability Claims

July 14, 2020 // by Nick Ortiz

Are you curious about how your job and education impact long-term disability claims? The type of work you do and your level of education can drastically affect your claim’s outcome. We’ll explore these factors and offer insights to help you navigate the process more effectively. Own Occupation vs Any Occupation The differences …

Read moreHow Occupation And Education Affect Long-Term Disability Claims
Category: Non-Medical Eligibility for Long-Term Disability Claims

Long-Term Disability And Unemployment

July 14, 2020 // by Nick Ortiz

Wondering if you can apply for both long-term disability and unemployment benefits at the same time? It’s a common question many face when dealing with sudden health issues and job loss. It’s possible, but it comes with specific rules and limitations. In this post, we will discuss how it works when you file for long-term …

Read moreLong-Term Disability And Unemployment
Category: Long-Term Disability

Can I Be Fired While I Am Out Of Work For Disability?

July 14, 2020 // by Nick Ortiz

One of the most common questions we receive is, “Can I be fired while I am out of work for disability?” When it comes to qualifying for long-term disability (LTD) insurance benefits, the key factor is whether your disability began before your employment was terminated. As long as your disability started before you were terminated, …

Read moreCan I Be Fired While I Am Out Of Work For Disability?
Category: Long-Term Disability

US Circuit Courts Of Appeals

July 14, 2020 // by Nick Ortiz

Some long-term disability claims go to the US Circuit Courts of Appeals. The United States Courts of Appeals (or circuit courts) are the intermediate appellate courts of the United States federal court system. That means they are the level between federal district courts and the United States Supreme Court. A court of appeals decides appeals …

Read moreUS Circuit Courts Of Appeals
Category: Long-Term Disability Denials and Appeals

Surveillance In Long-Term Disability Claims

July 14, 2020 // by Nick Ortiz

Long-term disability insurance companies are well-known for hiring third-party investigators to put claimants under surveillance. They spend millions of dollars on surveillance to save billions in long-term disability claims. They want to “catch” you doing something you “shouldn’t,” like taking out the trash or enjoying your grandchild’s …

Read moreSurveillance In Long-Term Disability Claims
Category: Additional Parts Of A Claim That Do Not Happen in Every Case

Social Media Accounts Are Being Used To Deny Long-Term Disability Claims

July 14, 2020 // by Nick Ortiz

Social media has become how we share our lives with the world. Long gone are the days of printing and mailing pictures to family and friends. Now, with the click of a button, you can share photos or even live stream videos on social media, which creates a way for families to stay connected even …

Read moreSocial Media Accounts Are Being Used To Deny Long-Term Disability Claims
Category: Additional Parts Of A Claim That Do Not Happen in Every Case

Long-Term Disability Buyout Offers v. Settlement Offers

July 14, 2020 // by Nick Ortiz

In the context of this article, it’s important to distinguish between long-term disability buyout and settlement offers. A buyout offer is extended by the insurance company while you are actively receiving long-term disability benefits. A settlement offer, on the other hand, arises when you have been fully denied these benefits and …

Read moreLong-Term Disability Buyout Offers v. Settlement Offers
Category: Additional Parts Of A Claim That Do Not Happen in Every Case

Long-Term Disability For Multiple Disabilities

July 14, 2020 // by Nick Ortiz

Are you suffering from multiple disabling conditions? You may think that if you are suffering from a set of combined ailments, your long-term disability claim should get approved even faster than if you only suffered from one ailment. But in fact, the opposite is true. When claimants file for long-term disability for multiple disabilities, the …

Read moreLong-Term Disability For Multiple Disabilities
Category: Long-Term Disability

Review Your Application For Individual Disability Insurance Before Applying for Benefits

July 14, 2020 // by Nick Ortiz

So you are eager to rush in and file your claim for individual disability insurance benefits.  That’s good. You do not want to wait too long to file your claim as you only have a limited time to file the claim, but STOP FOR JUST A MINUTE. There is one thing you must absolutely do …

Read moreReview Your Application For Individual Disability Insurance Before Applying for Benefits
Category: Long-Term Disability

Appealing A Long-Term Disability Denial To The Eleventh Circuit Court of Appeals

July 14, 2020 // by Nick Ortiz

Some long-term disability claims are appealed to a United States District Court. If the court upholds the LTD denial, the next step is to appeal the claim to the United States Court of Appeals. For claimants in Florida, Alabama, and Georgia, these appeals go to the Eleventh Circuit. In this article, we discuss the Eleventh Circuit Court’s …

Read moreAppealing A Long-Term Disability Denial To The Eleventh Circuit Court of Appeals
Category: Long-Term Disability Denials and Appeals

What Is A Vocational Assessment In A Long-Term Disability Claim?

July 14, 2020 // by Nick Ortiz

Many claimants ask why the insurance company uses a vocational consultant when reviewing a claim. Isn’t the main issue whether you have a medical disability and you’re medically disabled under the policy? This is a very legitimate question. In this article, we discuss why a vocational assessment from a vocational consultant is a …

Read moreWhat Is A Vocational Assessment In A Long-Term Disability Claim?
Category: Additional Parts Of A Claim That Do Not Happen in Every Case

The Alleged Onset Date (AOD) In Social Security Disability Claims

July 13, 2020 // by Nick Ortiz

When a person files a claim for disability benefits with the Social Security Administration, they will be asked, “What is the Alleged Onset Date of your disability?” I like to explain to my clients that it is more of a legal term than a medical one. What Social Security is really asking is, “When did …

Read moreThe Alleged Onset Date (AOD) In Social Security Disability Claims
Category: Social Security Disability

Can A Social Security Disability Attorney Speed Up A Case?

July 13, 2020 // by Nick Ortiz

We are often asked, “Can a Social Security disability attorney speed up my case?” The answer is yes. There are many advantages to having an attorney represent you in the Social Security Disability process, from the initial application to appeals. Below we will discuss several ways that having a disability attorney represent you might help …

Read moreCan A Social Security Disability Attorney Speed Up A Case?
Category: Social Security Disability

Your Education And Your Social Security Disability Claim

July 13, 2020 // by Nick Ortiz

Frequently Asked Question: I have a college education. I’ve heard one’s education level impacts a claim for Social Security disability benefits. Does my education keep me from being eligible for disability benefits? Answer: The Social Security Administration (SSA) evaluates applications for SSDI and SSI disability in two ways: The Listing of …

Read moreYour Education And Your Social Security Disability Claim
Category: Social Security Disability

The Federal Court Review Process For Social Security Disability Insurance Claims

July 13, 2020 // by Nick Ortiz

If the Appeals Council denies your request for review of your Social Security disability claim and you disagree with the decision, or if the Appeals Council decides not to review your claim for Social Security disability benefits, you can file a civil lawsuit in a federal district court. This begins the last level of the …

Read moreThe Federal Court Review Process For Social Security Disability Insurance Claims
Category: Social Security Disability
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