Nick Ortiz

What You Need To Know About Adverse Benefit Determinations In ERISA Long-Term Disability Claims

Adverse benefit determinations are critical aspects of ERISA long-term disability claims. They refer to a decision made by an insurance company or plan administrator that denies or limits a claimant’s benefits. Understanding adverse benefit determinations is essential for claimants navigating the complex world of long-term disability claims. Understanding Adverse Benefit Determinations Adverse benefit determinations can …

Successful Reinstatement Of Long-Term Disability Benefits For Sales Manager

I am pleased to share another recent success story where we helped a deserving client recover her long-term disability benefits after an unjust denial in her long term disability insurance claim. As the owner and founder of the Ortiz Law Firm, I find it immensely rewarding to see justice served and to assist individuals in …

What An Incontestability Clause Means For Your Disability Insurance Claim

An incontestability clause prevents insurance companies from canceling your disability insurance policy after a certain period unless you’ve committed fraud. Understanding this clause can save you from future headaches and give you peace of mind. In the following sections, we’ll explain how this clause works, why it’s important, and what you need to look for. …

Ortiz Law Firm Recovers MetLife Long-Term Disability Benefits for IBM Consultant

As a long-term disability attorney, I have seen firsthand the difficulties individuals face when insurance companies unfairly deny their long-term disability benefits. I would like to share with you a case in which we successfully recovered MetLife long-term disability benefits for a claimant in Texas. This case not only highlights the complexities of disability claims …

Ortiz Law Firm Proudly Sponsors Women Build 2024 By Pensacola Habitat For Humanity

At the Ortiz Law Firm, we believe in giving back to the community that has supported us over the years. That’s why we are excited to announce our sponsorship of Pensacola Habitat for Humanity’s Women Build 2024 event. This annual event empowers women to take proactive steps to serve their communities by building homes for …

Gill v. Unum – Cognitive Impairment Claim Denied Based On 24-Month Mental Illness Limitation

In Gill v. UNUM Life Insurance Company of America, the U.S. District Court for the Northern District of California decided a dispute over long-term disability (LTD) benefits. The plaintiff, Terrance Gill, was a project manager at Union Bank when he applied for LTD benefits. He received benefits under a UNUM policy governed by the Employee …

Is Your Long-Term Disability Claim Governed By ERISA? Key Signs To Look For

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 …

$85,000 In Future LTD Benefits Reinstated For Cybersecurity Professional

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 …

How To Get Your Claim File And Policy After A Long-Term Disability Denial

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 …

Easter v. Hartford – Hartford Denies LTD Claim For Chronic Fatigue Syndrome

In Easter v. Hartford Life & Accident Ins. Co., the plaintiff, Audrey M. Easter, a former Social Worker for Intermountain Healthcare, was insured under a disability insurance plan administered by Hartford. Under this plan, Defendant Hartford was the claims administrator responsible for determining benefits and the payor of those claims. ERISA governed the insurance plan. …

What Are Your Legal Rights Concerning Your Claim For Long-Term Disability Insurance Benefits?

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 …

Mucciacciaro v. Hartford – Court Rules “Superhuman Effort” Cannot Serve As The Sole Reason For The Denial Of Disability Benefits

The case of Mucciacciaro v. Hartford Life & Accident Insurance Company was filed in the United States District Court for the District of New Jersey. This legal battle centers around Sandra Mucciacciaro, the Plaintiff, and Hartford Life and Accident Insurance Company, the Defendant. The legal dispute pertains to a claim for long-term disability benefits, with …

Leif v. Hartford – LTD Claim For Collections Rep With COPD And Cardiac Impairments

The case involves Lisa Leif suing Hartford Life and Accident Insurance Company under ERISA, claiming wrongful denial of long-term disability (LTD) benefits. W.B. Mason Company, Inc. employed Ms. Leif as a Collection Representative. Leif suffers from atherosclerotic heart disease, refractory angina, coronary spasms, and COPD. As she was no longer able to work due to …

How To Complete A Long-Term Disability Claim Form

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 …

Harmon v. Unum – LTD Claim For Facilities Technician With A Back Injury Terminated

The case of Harmon v. Unum Life Ins. Co. of Am. involves plaintiff Joey Harmon against Unum Life Insurance Company of America regarding a claim for long-term disability (LTD) insurance benefits. Mr. Harmon was a facilities technician for 24 Hour Fitness. He suffered a back injury leading to surgery and claimed LTD benefits under policies …