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.
// by Ortiz Law Firm
If you’ve had a long term disability (LTD) claim denied, it’s natural to feel frustrated and overwhelmed. However, a claim denial isn’t the end of the road. You have the option to appeal, and many claimants successfully reverse denials through the appeals process. Appealing the denial of a long term disability claim for benefits under …
How to Win a Long Term Disability Appeal: Do’s and Don’tsRead More
// by Ortiz Law Firm
Today, we will talk about the three steps you should take if you’ve been receiving long term disability benefits that have been terminated by the insurance company. The first thing you need to do is request your claim file from the insurance company. Make sure the request is broad and asks for absolutely everything in …
3 Steps You Must Take Right Now If Your LTD Benefits Are Terminated!Read More
// by Ortiz Law Firm
Today, I’d like to delve into a crucial aspect of Social Security Disability Insurance (SSDI) claims: the “Grid Rules,” formally known as the “Medical-Vocational Guidelines.” These may be found in Appendix 2 to Subpart P of Part 404 of the Code of Federal Regulations. Note: They are called “Grid” Rules, because the Rule, Age, Education, …
Leveraging the Grid Rules to Secure SSDI Benefits After Age 50Read More
// by Ortiz Law Firm
When applying for Social Security Disability benefits, one term that often comes up is the On-The-Record (OTR) decision. In this article, we will break down what an OTR decision is, and how it can affect your claim. What is an On-The-Record (OTR) with SSA? An OTR decision is a fully favorable decision given without having …
What Is an On-The-Record Decision in a Social Security Disability Claim?Read More
// by Ortiz Law Firm
When it comes to filing for long term disability (LTD) benefits, many people assume that a medical diagnosis is the golden ticket to approval. While a diagnosis is an essential part of the process, it is by no means the only criterion that insurers or adjudicators consider. Understanding the nuanced difference between diagnosis and functional …
// by Ortiz Law Firm
Will a personal injury settlement affect my Social Security Disability Insurance (SSDI) benefits? Should I apply for disability benefits with a personal injury lawsuit pending? Does a lump sum payment for my injury impact my disability claim? The impact of a personal injury lawsuit on Social Security benefits depends on the type of benefit you …
Does a Personal Injury Settlement Affect SSDI Benefits?Read More
// by Ortiz Law Firm
How will a federal judge make a decision about an ERISA lawsuit? There are two standards of review in ERISA cases: (1) the de novo review standard and (2) the arbitrary and capricious standard (also called the “abuse of discretion” standard). The judge will determine which standard applies to your disability based on the language …
The Standard of Review in ERISA Long Term Disability LawsuitsRead More
// by Ortiz Law Firm
Long term disability insurance provides financial support to individuals who cannot work due to a disability. This type of insurance pays out a percentage of your pre-disability earnings to help maintain your quality of life. However, many people wonder whether they can continue to collect long term disability (LTD) benefits while returning to work in …
Can You Work While Receiving Long Term Disability Payments?Read More
// by Ortiz Law Firm
I was just interacting with one of our Social Security clients who received a favorable decision two years after he started his initial application. He was happy and relieved to finally get this good news. This made me think about a question that we receive from a lot of our clients. They often ask me: …
Timeline for a Typical Social Security Disability ClaimRead More
// by Ortiz Law Firm
The Listing of Impairments describes impairments for each of the major body systems that Social Security considers severe enough to prevent a claimant from doing any gainful activity, regardless of his or her age, education, or work experience (you can find these impairments on our website in our articles on the disabilities that may qualify for benefits). Disability …
What Is The Listing of Impairments in a Social Security Disability Claim?Read More
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