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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 dispute between Michael Cloud and the Bert Bell/Pete Rozelle NFL Player Retirement Plan centered on Cloud’s eligibility for the highest level of disability benefits because of injuries sustained during his NFL career, including multiple concussions. Cloud initially received lower-tier benefits, but sought an upgrade based on further …
We recently helped a client get her long-term disability (LTD) benefits reinstated after they were wrongfully terminated by Prudential—without having to complete a formal appeal. This case highlights the importance of experienced legal help when insurance companies create confusion or apply the wrong standards. Background: Mental Health and Long …
At the Ortiz Law Firm, we fight to ensure that our clients receive the long-term disability (LTD) benefits they deserve. One of our recent successes involved a client with multiple debilitating medical conditions whose LTD benefits were wrongfully terminated by Lincoln National Life Insurance Company. Background and Disabling Conditions Our client …
When Principal Life Insurance Company unfairly terminated our client’s long-term disability (LTD) benefits in early in 2025, we stepped in to fight back. Client Background and Initial Approval Our client became unable to work a few years prior due to serious medical conditions, including: She was right-hand dominant and relied on strong …
Our client was forced to stop working towards the end of 2022 due to a number of serious medical conditions. These included cardiomyopathy, congestive heart failure, high blood pressure, diabetes, migraines, joint pain, GERD, multiple mental health conditions, and a complex history of back issues. Together, these conditions created significant …
Navigating a long-term disability (LTD) claim can be overwhelming, especially when your benefits are unfairly denied. At Ortiz Law Firm, we recently helped a client successfully appeal a denial from Hartford and win a Social Security Disability claim, too. Here’s how it all unfolded. The Onset of Disability Our client stopped working in January …
United Healthcare (UHC) denied our client’s long-term disability claim after cancer treatment, relying on a date in a form that didn’t reflect when she actually became unable to work. We clarified the true onset date with a treating-physician letter and a detailed oncology record—then resolved a “missing records” issue by resubmitting the file. …
Living with chronic illness is hard enough, but it is even more stressful when disability benefits are taken away. That’s what happened to one of our clients, who hasn’t been able to work because of several mental and physical health conditions. What started as a hopeful application for LTD benefits turned into a difficult fight, …
Getting (and keeping) long-term disability (LTD) benefits isn’t always easy. Recently, New York Life Insurance Company (the parent company of the underwriting company Life Insurance Company of North America) unfairly denied a claimant’s LTD benefits. Thankfully, we were able to turn things around on appeal. Our client has Central Sensitization …
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 …