What the Insurance Investigator Doesn’t Want You to Know During a long term disability case, it is common for the insurance investigator to request a “field interview”. First, they will call you and ask you casual questions about your health and your daily life. Do not be fooled! They are not calling to check on you because …
Ortiz Law Firm Blog
Residual Functional Capacity Forms: Download an RFC Form
In order to know whether you can perform your occupation (or any other work in the economy), the disability claims handler needs to determine your residual functional capacity (RFC). This is accomplished by having a doctor perform a residual functional capacity assessment and complete an RFC form. This form is also known as an Attending …
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Denied Disability for Mental Illness: Common Reasons Why
Why does mental illness present special obstacles in getting a claim for Social Security disability benefits approved? In sum, a lack of mental health treatment or treatment notes, not taking medication, and having an episodic illness are the most common reasons mental illness Social Security disability claims are denied. The following assessment goes into a …
Denied Disability for Mental Illness: Common Reasons WhyRead More
How to Write a Long Term Disability Appeal Letter & Why Most Appeals Suck
When a long term disability claim is wrongfully denied or terminated most claimants are required to file at least one appeal. Before we get into how to write a long term disability appeal letter we’ll discuss what you shouldn’t do. Why Most Long Term Disability Appeals Suck! When most people file a long term disability …
How to Write a Long Term Disability Appeal Letter & Why Most Appeals SuckRead More
How to Improve Your Chances of Getting Disability
In a perfect world, anyone who suffers from a physical or emotional disability would have the resources to seek treatment and provide for themselves without supplemental income. But since we live in the real world, many people struggle to make ends meet during a period of disability. Long term disability insurance is supposed to provide …
Own Occupation vs. Any Occupation: What’s The Difference?
Long term disability insurance policies are designed to help you financially when you are injured or out of work due to illness. If you are self-employed, you will purchase your long-term disability policy from a broker or an agent. However, the majority of the workforce is a part of a group policy provided through their …
Own Occupation vs. Any Occupation: What’s The Difference?Read More
An Independent Medical Examination (IME) by an Independent Medical Physician
What is an Independent Medical Examination? First of all, we don’t like the use of the term “independent” when referring to a medical examination ordered and scheduled by a long term disability insurance company. An independent medical evaluation (IME) is an exam conducted by medical professionals that are not associated with your case currently. The …
An Independent Medical Examination (IME) by an Independent Medical PhysicianRead More
How to Appeal a Long Term Disability Denial: Tips for Your Appeal
Tips on How to Appeal a Long Term Disability Denial You should not give up if your claim for long term disability (LTD) benefits is denied. It is not unusual for an insurance company to deny disability claims, and most long term disability insurance policies require one or two internal administrative appeals. It may seem unlikely that the same …
How to Appeal a Long Term Disability Denial: Tips for Your AppealRead More
Long Term Disability After Two Years: Why Was My Claim Closed?
There is a reason that so many claimants are worried about their long term disability after 2 years of receiving benefits – the majority of long term disability insurance policies have some sort of provision which allows the insurance company to terminate certain claims after a 2 year period. Why Are Long Term Disability Claims …
Long Term Disability After Two Years: Why Was My Claim Closed?Read More
Start The Investigation Of Your Personal Injury Case As Early As Possible
The number one way that an attorney can make a difference is by starting the investigation of your case as early as possible. It is critical to explore the individual facts and circumstances of your case as early as possible. One of the most important things that needs to be done at the very beginning …
Start The Investigation Of Your Personal Injury Case As Early As PossibleRead More