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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.
Long COVID, also known as post-acute sequelae of SARS-CoV-2 infection (PASC), refers to a range of symptoms that persist or develop long after the acute COVID-19 illness. Estimates suggest that between 5% and 30% of COVID-19 survivors develop long COVID, representing tens of millions of people worldwide. Now, clear patterns are emerging suggesting that COVID-19 …
When appealing a long-term disability (LTD) claim denial with Lincoln Financial Group, claimants often encounter an independent physician review. Lincoln, like many other insurance companies, uses independent physician reviews to re-evaluate a claimant’s medical condition and determine if it is consistent with the reported functional limitations. Here, we’ll explore Lincoln’s physician reviews, including what to …
On April 1, 2024, The Standard announced the completion of its acquisition of the Life & Disability business of Elevance Health. Elevance Health is the parent company of Anthem. This move marks a significant expansion of The Standard’s presence in the employee benefits marketplace, particularly in the areas of life and disability insurance. While the …
Preparing for a psychological exam required by the Social Security Administration (SSA) can be stressful, but knowing what to expect can make a big difference in how you handle the process. Psychological consultative exams are often requested when the SSA doesn’t have enough information to determine the impact of mental health on your ability to …
In King v. Reliance Standard Life Insurance Company, the insurer failed to issue a timely decision or seek an extension within the 45-day deadline for reviewing Megan King’s appeal of her terminated long-term physical disability benefits. Under the Department of Labor’s regulations, this failure allowed King to consider her claim “exhausted” and file suit.
Working at Google offers many rewards, but it also comes with high expectations and unique challenges. Google employees are expected to be innovative, adaptable, and consistently deliver top results in a fast-paced environment. Whether you’re a software engineer, a project manager, or part of Google’s extensive support teams, these responsibilities can take a toll over …
We recently had the privilege of representing a former claims adjuster for an insurance company who faced an overwhelming array of health issues. Her life was deeply affected by chronic severe pain and a series of debilitating conditions, including osteoarthritis, fibromyalgia, and complications following breast cancer, among others. Lincoln National Cut Off Long-Term Disability Benefits …
Cheryl Watson, a licensed clinical social worker and research coordinator at the Hektoen Institute, faced an uphill battle to secure long-term disability benefits. After years of enduring fatigue, cognitive difficulties, pain, and other symptoms, Watson stopped working in March 2013. Diagnosed with conditions including fibromyalgia, chronic fatigue syndrome, and degenerative spinal problems, she applied for …
At the Ortiz Law Firm, we recently had the honor of helping a dedicated Account Executive for UnitedHealth Group who was wrongfully denied long-term disability benefits by The Hartford. Our client had been unable to work for several years, due to numerous debilitating conditions, including ongoing pain from bilateral hip replacements, osteoarthritis, lumbar spondylosis, advanced …
I recently had the privilege of representing a 53-year-old client who previously worked as a production meat packer at HEB, Inc. She faced many serious health challenges that made it impossible for her to continue working. Her medical conditions included kidney failure, chronic pain in multiple joints, neuropathy in both arms and legs, osteoarthritis in …
When filing for Social Security Disability (SSD) benefits, many individuals may assume they need to hire an attorney who is physically located near them. However, in today’s digital age, this is no longer necessary. One of the most significant changes in the Social Security Disability claims process is the shift toward telephone hearings with Administrative …
When a disability insurance company ignores your long-term disability (LTD) appeal, it can be both frustrating and legally problematic. The appeals process is designed to give claimants a fair chance to challenge a denial, and insurance companies are legally obligated to respond to these appeals in a timely manner under most LTD policies and federal …
When Guardian Life abruptly terminated one of our client’s long-term disability (LTD) benefits, we knew we had a fight on our hands. Her case illustrates the importance of challenging insurers who unfairly deny claims based on benefit limitations for mental and nervous conditions and why having experienced legal representation can make all the difference. Our …
If you have a disability insurance plan through your church or a religiously affiliated organization, you may be wondering if it’s covered by the Employee Retirement Income Security Act (ERISA). Understanding whether ERISA applies to your plan is important because it can affect how claims are handled, your rights under the plan, and your legal …
At the Ortiz Law Firm, we understand how devastating it can be to face a denial of long-term disability (LTD) benefits when you’re already battling significant health challenges. One of our recent cases is a testament to our unwavering commitment to helping clients secure the benefits they deserve. The Challenge Our client, a former data …
Preparing for your Social Security Disability hearing can be a daunting process, but being informed and organized can greatly increase your chances of success. Below is a comprehensive guide that links key resources and advice to help you effectively navigate the hearing process. 1. Pre-Hearing Preparation Before you attend your hearing, it’s important to be …
Annette McEachin, a human resources manager, was covered under a long-term disability policy issued by Reliance Standard Life Insurance. After a car accident in February 2017, McEachin stopped working and was approved for disability benefits due to “head, neck, back pain, and headaches due to whiplash/post-concussion syndrome.” A second car accident in December 2017 aggravated …
When facing the challenges of a disability claim, choosing the right legal representation can make all the difference. While larger firms have extensive staff and resources, a smaller law firm like the Ortiz Law Firm offers a personalized approach that sets us apart in the industry. 1. Personalized Attention Think about the difference between shopping …
Preparing for a Social Security Administration (SSA) physical exam, also known as a consultative examination (CE), is essential for anyone applying for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI). The SSA typically schedules a CE when it needs more medical evidence to decide your claim, usually because your existing records are inadequate …
We recently won a significant victory for a client who was wrongfully denied long-term disability (LTD) benefits by New York Life (NYL). Our client, a former registered nurse, has been battling numerous debilitating medical conditions, including pudendal neuralgia, complex regional pain syndrome, Ehlers-Danlos syndrome, PTSD, anxiety, major depressive disorder, and migraines, that have left her …
In Lisa Breen v. Reliance Standard Life Insurance Company, the U.S. District Court for the Eastern District of Pennsylvania upheld the termination of Breen's long-term disability benefits. Breen, a registered nurse, was initially approved for benefits but later denied based on insufficient medical evidence. The court ruled that the insurance company's decision was not arbitrary or capricious, as the plaintiff failed to prove she was totally disabled from any occupation.
Seeing your Social Security Disability Insurance (SSDI) claim status update to “Step 3 of 5: We started a medical review” can feel overwhelming. At this stage, the Disability Determination Service (DDS) in your state takes a closer look at your medical condition to decide whether you qualify for disability benefits. It’s normal to feel anxious …
Filing a long-term disability (LTD) lawsuit anonymously is generally not an option. In most cases, the legal system requires transparency, which means your name must be included in the lawsuit. This is because court proceedings are a matter of public record, and the parties involved in litigation (plaintiffs, defendants, and the legal representatives) must be …
At the Ortiz Law Firm, we are committed to fighting for individuals who have been unfairly denied long-term disability (LTD) benefits. One of our recent clients, a hardworking human resources manager, faced an uphill battle with Standard Insurance Company after they wrongfully terminated her benefits. Our client suffered from a number of debilitating conditions, including …