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 …
Disability Law Blog
What To Do If Your Long-Term Disability Claim Has Been Denied
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 …
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What Are Technical Denials In Long-Term Disability Claims?
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.
What Are Technical Denials In Long-Term Disability Claims?Read More
What If I Missed My Long-Term Disability Appeal Deadline?
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 …
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How to Appeal Your Long-Term Disability Case to Federal Court
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 …
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How Long Does a Long-Term Disability Appeal Take?
Many of our clients think that a long-term disability appeal package is simply a compilation of medical records sent to the insurance company with a cover letter identifying the package as an appeal. While that may be the case for claimants who file their own appeals, the appeal packages prepared by Ortiz Law Firm are …
10 Things Claimants Need to Know About Long-Term Disability Claims
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 …
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Harmful Information on Applications for Long-Term Disability Benefits
Long-term disability insurance claims are usually denied because the claimant did not provide sufficient evidence – particularly medical records – for approval. This is why it is so important to double-check everything before you submit it. Most claims are denied due to simple mistakes that can lead to months of frustration for you. Some insurance companies …
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A List of Do’s and Don’ts for Appealing a Long-Term Disability Denial
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 …
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Advanced Strategies for Long-Term Disability Appeals
If your claim for long-term disability benefits has been denied or terminated, the next step is to submit an administrative appeal. These advanced strategies for long-term disability appeals can be expensive and are not used in every case, but they can be highly effective in select cases. First of all, you might order your own …
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