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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.
Minnesota attorney Ann Wessberg prevailed in her ERISA lawsuit against Unum after the insurer terminated her long-term disability benefits despite documented cognitive impairments linked to chemotherapy. The court found that Unum relied on flawed reasoning and non-expert reviewers, ignoring credible medical evidence. It ordered Unum to reinstate …
Krueger filed for long-term disability benefits after developing POTS. Reliance Standard denied her claim, arguing it was a pre-existing condition based on earlier treatments for migraines and tachycardia. The court disagreed, finding Krueger’s symptoms and diagnosis were distinct and not properly excluded under the policy. It ruled in her favor …
Ziegler filed suit after Sun Life denied her long-term disability claim for lupus and related conditions. Despite support from her treating physician, Sun Life relied on three independent rheumatologists who found insufficient objective evidence to support disability. The court upheld the denial, ruling that Sun Life did not abuse its discretion …
Dr. April Halleron, a Kentucky physician, filed for STD and LTD benefits due to disabling symptoms from POTS. Reliance Standard denied both claims, citing a pre-existing condition exclusion for STD and lack of evidence for LTD. The court found both denials procedurally flawed and arbitrary, especially for failing to consider her treating …
Our client’s life changed drastically in June 2022, when he suffered cardiac arrest that led to an anoxic brain injury. As a result of his condition, he could no longer work. He filed a claim for long-term disability (LTD) benefits with Mutual of Omaha, and the insurance company initially approved the claim, paying benefits for …
When Reliance Standard terminated Christine Ward's benefits in 2022, citing insufficient evidence, Ward challenged the decision. The court found Reliance failed to properly evaluate her cognitive limitations and lacked substantial evidence to support its decision.
Mercer filed for long-term disability due to chronic conditions including fibromyalgia and chronic fatigue syndrome. Unum denied her claim, arguing she was not continuously disabled during the plan’s 180-day elimination period. Although Mercer submitted strong support from her doctors and a vocational expert, the court upheld Unum’s denial, finding …
Our client, a senior principal electrical engineer, had dedicated his career to solving complex problems in a demanding technical field. However, after he suffered a traumatic brain injury (TBI) and developed post-concussion syndrome, memory loss, and additional complications, including edema, a Factor V Leiden mutation, ADHD, and anxiety and …
Hari Sami, a Florida shipping supervisor, sued Guardian after it terminated his long-term disability benefits without giving him an opportunity to respond to critical medical reviews. The court ruled that Guardian violated ERISA by failing to provide those reports in advance of its final denial. As a result, the case was remanded for further …
A 61-year-old former general manager for Chuck E. Cheese’s life was turned upside down when he suffered a serious stroke. The stroke left him with right-sided weakness (hemiparesis), clumsiness, sensory loss, balance problems, memory issues, near-syncopal episodes, and fatigue. These impairments made it impossible for him to continue working. At …
At the Ortiz Law Firm, we know that navigating the complexities of disability claims can be overwhelming, especially when insurance companies deny benefits due to a lack of so-called “objective evidence.” A recent case illustrates the challenges our client faced and how we stepped in to help her secure the benefits she rightfully …
Yvette Eggleston, a nurse from Florida, lost her long-term disability appeal against Unum after the insurer terminated her benefits based on social media activity and a reassessment of her chronic pain conditions. Despite support from multiple treating doctors and a functional capacity evaluation showing she couldn’t sit or stand for long periods, …
At the Ortiz Law Firm, we recently had the privilege of helping a client who had been unfairly denied his long-term disability (LTD) benefits. Our client became disabled due to a combination of debilitating medical conditions, including long COVID syndrome with shortness of breath and dizziness, chronic fatigue syndrome, chronic migraines, dyspnea …
At the Ortiz Law Firm, we fight for people who have been unfairly denied long-term disability benefits. Our recent success story highlights the importance of perseverance and strong legal advocacy when battling insurance companies like Lincoln National. Case Overview Our client, an airline operations agent, became disabled in March 2023 due to a …
Our client was forced to stop working due to a combination of disabling conditions, including essential tremor, chronic pain and neuropathy, and complications from right shoulder surgery. New York Life initially approved her long-term disability (LTD) claim and paid benefits during the 24-month “own occupation” period. However, after that period …
I’m honored to share another story of how we helped a client recover the long-term disability (LTD) insurance benefits she desperately needed after her claim was unfairly denied. This is a testament to the power of perseverance and expertise when it comes to fighting for our clients’ rights against large insurance companies like New York …
At the Ortiz Law Firm, we fight to make sure insurance companies live up to their obligations. Recently, we helped a Charles Schwab financial manager regain the claimant’s long-term disability (LTD) benefits after Lincoln National wrongfully terminated the claimant’s disability claim. Denial of a Valid Disability Claim Our client is disabled and …
A Minnesota trial attorney diagnosed with multiple myeloma, sued Unum after the insurer wrongfully terminated his long-term disability benefits. Despite medical records and expert testimony confirming that Hardy’s cancer-related symptoms prevented him from working full-time, Unum relied on file reviews by non-examining physicians to justify the …
Jason Seneca, an IT Administrator from Louisiana, filed suit after MetLife terminated his LTD benefits based on a shift to the policy’s stricter “any occupation” definition of disability. Despite support from a treating neurologist, the court upheld MetLife’s decision, finding that medical records in 2019–2020 supported functional ability and that …
At the Ortiz Law Firm, we understand how devastating it can be when a disability insurance company unfairly denies your claim for benefits. Recently, we had the privilege of helping a brilliant lead research scientist who was struggling with Lance-Adams Syndrome. This condition caused debilitating tremors, ataxia, and startle-induced myoclonus, …
Some hearings require more effort than others, and today’s hearing before an Administrative Law Judge was one of them. It was a case where I really had to work as the claimant’s attorney to help him win the claim, but the effort paid off. The Challenge: A Medical Expert Who “Missed” Key Evidence The hearing …
A California physician filed an ERISA lawsuit after Sun Life denied his long-term disability claim for chronic fatigue syndrome. Despite multiple medical diagnoses supporting his condition, the insurer cited psychiatric history and lack of conclusive evidence. The court stayed the case and remanded it for further review, ordering a neuropsychiatric …
In King v. Reliance Standard Life Insurance Company, the insurer failed to issue a timely decision or seek an extension within the 45-day deadline for reviewing Megan King’s appeal of her terminated long-term physical disability benefits. Under the Department of Labor’s regulations, this failure allowed King to consider her claim “exhausted” and …
We recently had the privilege of representing a former claims adjuster for an insurance company who faced an overwhelming array of health issues. Her life was deeply affected by chronic severe pain and a series of debilitating conditions, including osteoarthritis, fibromyalgia, and complications following breast cancer, among others. Lincoln …