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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.
The long-term disability claim process is often long and frustrating. Having to track down medical records and speak with insurance representatives can be tiresome, especially if you are dealing with the daily frustrations of your disability. You can help minimize your frustration by building a well-supported disability claim. Here, we share some of the most common long-term disability …
If you avoid following your doctor’s treatment plan as prescribed (like refusing to have surgery), the insurance company may claim that you are refusing to do what you need to do to get better so you can work and will deny your long-term disability claim for that. However, you should not be denied for failure to comply …
Having your long-term disability insurance claim approved is a significant first step towards receiving benefits. The next stage is waiting to receive payment. In a disability insurance policy, this is called the elimination period. What Is the Elimination Period? The elimination period is the period of time that you must wait to receive your first …
When applying for benefits, you must provide evidence to prove that you qualify medically for long-term disability (LTD) benefits. You must provide your insurance company with medical records from only the doctors treating you for your disability. Providing medical records that are not related to your disability is irrelevant and could hurt your claim. The exact …
At the end of the day, a long-term disability (LTD) claim is governed by a contract. You, perhaps through your employer, but with an insurance company, have an agreement where if you’re unable to work they’re to pay you benefits under the disability plan. Most people, when they’re given this type of benefit through their employer, they …
In October 2017, I received an email from a long-term disability defense attorney announcing his involvement in a webinar. The webinar’s title was “ERISA Wrongful Denial of Benefits Claims: Procedural Prerequisites and Key Defenses.” The email laid out the issues they were going to cover, which gives you insight into how an insurance company will …
Applying for benefits is one of the first steps in the long-term disability insurance claim process. While it is essential to provide accurate and thorough information, too often people share too much or not enough on their paperwork that can open the door for a denied claim. 1. Don’t Generalize Your Symptoms Stating specifically how …
For the purpose of this article, we’re classifying government employees as anyone who works for a municipality, state, or the United States federal government. Another thing to clarify is that we’re talking about government employees with long-term disability insurance policies through a group plan or their employer. We are not talking about plans that were …
Long-term disability (LTD) and Social Security Disability Insurance (SSDI) are two very different disability benefits: Being approved for Social Security disability benefits can be a long process- usually longer than the long-term disability process. For this reason, it is good to have a long-term disability policy as well. You may think that you can only …
If you become disabled during the time you are employed full-time, you may be eligible for disability benefits. How much you will earn will be dependent on your policy. Sometimes the wording in long-term disability policies can be lengthy and confusing. Here are the answers to some frequently asked questions about long-term disability pay: How Much Will …
Some people get approved within weeks after their initial appeal; others take many more months or even years longer than the average. The following timeline is based on our years of experience in handling dozens of short-term and long-term disability claims. It can be a very helpful tool for anyone going through the disability claims …
Long-term disability insurance is offered to help support you as a wage replacement if you’re sick or injured and unable to work. Unfortunately, what should be a relatively straightforward claim process is anything but. Despite paying your premiums for months, years, or even decades, your insurance company may unfairly deny your disability insurance claim, leaving you without …
If your long-term disability claim has hit a roadblock with a denial, you’re not alone in your struggle. Many individuals find themselves in a similar situation, unsure of what to do next. However, by being proactive and informed, you can work towards overturning the denial and obtaining the financial support you need during this challenging …
A technical denial of a disability claim occurs when you are denied based on a non-medical reason. If your claim has been denied for a technical reason, there is still time to seek an attorney specializing in long-term disability law. We have successfully represented claimants in disability cases across the United States.
If you have applied for long-term disability benefits, you may experience a denial. When you receive notice from the insurance company that your claim has been denied, the clock starts ticking down for you to file an appeal. If you miss a deadline, you could forfeit your right to appeal the decision and not be …
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 law, federal courts have jurisdiction over all ERISA long-term disability cases. Policyholders whose benefits have …
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 regulations and will use those rules against …
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 the Employee Retirement …
If your long-term disability (LTD) benefits claim has been denied or terminated, the next step is to submit an administrative appeal. These advanced strategies for LTD appeals can be expensive and are not used in every case, but can be highly effective in select cases. First of all, you might order your own testing to …
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 copy of your LTD plan from …
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 your medical records, …
If your long-term disability (LTD) insurance claim was denied due to a “pre-existing condition,” know that you’re not alone. Many claimants are in the same situation, often without a clear understanding of what the term means or how it applies to their case. This article will explain the concept of pre-existing condition exclusions in LTD …
Filing a long-term disability (LTD) claim involves more than just filling out forms. It requires comprehensive medical documentation that meets your insurance company’s standards. To qualify for benefits, you must provide clear, convincing evidence that your physical or mental condition prevents you from working. This guide breaks down the medical requirements insurers look for, including …
Yes, age is absolutely a factor in most long-term disability (LTD) claims. From how long benefits are paid to how disability is defined under the policy, age can influence key aspects of your claim. Reaching the Maximum Age For Benefits Most LTD policies don’t offer benefits for life. Instead, benefits typically end at a set …