Ortiz Law Firm Blog

Since 2008, the starting point to even begin understanding how federal courts evaluate long-term disability claims covered by ERISA is Metropolitan Life v. Glenn (Glenn). In Glenn, Metropolitan Life Insurance Company (MetLife) was an administrator and the insurer of Sears, Roebuck & Company’s long term disability insurance plan, which is governed by the Employee Retirement Income …

Understanding How Courts Evaluate Long Term Disability ClaimsRead More

Myelodysplastic syndromes, commonly referred to as MDS, are not easily categorized. In fact, MDS encompasses numerous different diseases. MDS is a group of blood and bone marrow disorders. In MDS, stem cells do not mature normally. As such, the number of blasts, or immature cells, and dysplastic, or abnormally developed, cells increases. Meanwhile, the number …

Good Morning America Host Discloses Diagnosis Of Myelodysplastic Syndrome (MDS)Read More

To provide an example of just how little the insurance company cares about your claim, I’m attaching an article that was published in the Los Angeles Times newspaper on August 21, 2005.  Although it is quite a few years old, it is just as relevant now as it was then.  Click here to read “The Safety …

Insurance Saleswoman Denied Disability by Unum After Selling Millions of Dollars of Disability InsuranceRead More

L-3 Communications is a contractor in Command, Control, Communications, Intelligence, Surveillance and Reconnaissance (C3ISR) systems, aircraft modernization and maintenance, and national security solutions. L-3 is also a leading provider of a broad range of electronic systems used on military and commercial platforms. Its customers include the U.S. Department of Defense and its prime contractors, U.S. …

L-3 Communications Long Term Disability ClaimsRead More

On December 16, 2016, the Department of Labor announced the release of a Final Rule to strengthen consumer protections for private-sector workers making disability insurance benefit claims for benefits from their workplace disability insurance plans. This action ensures that disability claimants will receive a full and fair review of their claims, as required by ERISA …

New Department Of Labor Rule Strengthens Protections For Long Term Disability ClaimantsRead More

With the spread of the COVID-19 (coronavirus), many people are worried about what effect this will have on their long-term and short-term disability benefits. Or maybe you or your loved one have become ill from the coronavirus. Can you apply for disability insurance benefits if you have the coronavirus? What is COVID-19? So what is …

COVID-19 and Long Term Disability BenefitsRead More

You Have a Right to Know Why Your Claim Was Denied The new regulations require the insurance company to provide a complete explanation of denial in your denial letter and what internal protocols, rules, and guidelines were used to deny your claim upon request. Naturally, insurance companies do not want to share this information with …

Important Changes for Long Term Disability in 2019 and 2020Read More

If you have a long-term disability insurance claim that has been managed by Aetna, and now letters are coming to you on letterhead from The Hartford, do not be alarmed. That’s because Hartford entered into a definitive agreement to acquire Aetna’s U.S. group life and disability business in October 2017. This means that Hartford has …

The Hartford Now Owns Aetna’s Long Term Disability Group Insurance DivisionRead More