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 …
Disability Law Blog
Successful Reinstatement of Long-Term Disability Benefits for Sales Manager
I am pleased to share a recent success story from Ortiz Law Firm, 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 …
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Changes to the Definition of Past Relevant Work in Social Security Disability Claims
Recently, the Social Security Administration (SSA) published a final rule aimed at improving the disability adjudication process. One significant change is the redefinition of past relevant work (PRW), which affects how disability claims are evaluated. This change will go into effect on June 8, 2024. Major Changes to Past Relevant Work (PRW): These changes are …
Changes to the Definition of Past Relevant Work in Social Security Disability ClaimsRead More
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. …
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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 Recovers MetLife Long-Term Disability Benefits for IBM ConsultantRead More
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 …
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How to Apply Spoon Theory to Disability Claims
Have you ever wondered how to effectively communicate the daily challenges of living with a disability when filing a disability claim? A client recently mentioned Spoon Theory to me. It is a universally recognized concept in the disability community that provides a powerful visual metaphor to explain the limited energy reserves that many people with …
Trick Questions the SSA Judge May Ask During Your Hearing
Facing a Social Security Disability hearing before an Administrative Law Judge (ALJ) can be nerve-wracking, especially if you’re not prepared for the curveballs they might throw at you. Have you ever wondered what kind of trick questions an SSA judge might ask during a disability claims hearing? In this post, we’ll examine some common trick …
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Unum Denies Cognitive Impairment Claim 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 …
Unum Denies Cognitive Impairment Claim Based on 24-Month Mental Illness LimitationRead More
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 …
Is Your Long-Term Disability Claim Governed by ERISA? Key Signs to Look ForRead More