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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.

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Home | Long-Term Disability | Page 2

Long-Term Disability

Peloton’s Hannah Corbin and Hashimoto’s Disease: A Hidden Struggle with Lasting Implications for Disability Claims

December 11, 2024 // by Nick Ortiz

Hannah Corbin is widely recognized as one of Peloton’s most dynamic fitness instructors, motivating thousands with her high-energy classes. On the surface, she is the epitome of physical health. But beneath the surface, Hannah faces an invisible challenge that many wouldn’t expect from a fitness professional: Hashimoto’s disease. In a candid …

Read morePeloton’s Hannah Corbin and Hashimoto’s Disease: A Hidden Struggle with Lasting Implications for Disability Claims
Category: Long-Term Disability, News, Social Security Disability

What Employee Welfare Plans Are Exempt from ERISA Regulations?

December 9, 2024 // by Nick Ortiz

Employee welfare plans play an important role in providing benefits such as health insurance, disability insurance, and life insurance to employees. Most of these plans are governed by the Employee Retirement Income Security Act (ERISA), a federal law designed to protect the interests of employees in these benefit plans. However, not all employee …

Read moreWhat Employee Welfare Plans Are Exempt from ERISA Regulations?
Category: Long-Term Disability

Invisible Disabilities: Overcoming Barriers In Long-Term Disability And Social Security Disability Claims

November 25, 2024 // by Nick Ortiz

When you think of a disability, visible conditions such as mobility impairments or the use of a wheelchair may come to mind. But not all disabilities are immediately and visibly obvious. Millions of Americans live with invisible disabilities—health conditions that significantly affect their daily lives but aren’t immediately obvious to …

Read moreInvisible Disabilities: Overcoming Barriers In Long-Term Disability And Social Security Disability Claims
Category: Long-Term Disability, Social Security Disability

Long-Term Disability Benefits For Meta Employees

November 20, 2024 // by Nick Ortiz

Meta, the parent company of Facebook, Instagram, WhatsApp, and Threads, is a leading tech giant known for its expansive reach and innovation in social media and communication platforms. Meta employees, whether in technical, creative, or business roles, work in an incredibly dynamic and fast-paced environment. Meta offers long-term disability …

Read moreLong-Term Disability Benefits For Meta Employees
Category: Long-Term Disability
Tags: Lincoln

Long-Term Disability For Bank Of America Employees

November 18, 2024 // by Nick Ortiz

Bank of America employees work in a variety of roles, ranging from customer service and finance to technology and operations. Whether you’re a teller, loan officer, IT specialist, or involved in management, your job can be physically and emotionally demanding. Illness or injury can happen to anyone, and when it does, long-term disability (LTD) …

Read moreLong-Term Disability For Bank Of America Employees
Category: Long-Term Disability
Tags: MetLife

Navigating AICPA Disability Insurance Claims: A Comprehensive Guide

November 13, 2024 // by Nick Ortiz

As a member of the American Institute of Certified Public Accountants (AICPA), you likely have access to a robust disability insurance policy designed to protect your financial well-being in the event of a disability. Navigating the AICPA disability insurance claim process can be daunting, but with the right approach and support, you can …

Read moreNavigating AICPA Disability Insurance Claims: A Comprehensive Guide
Category: Long-Term Disability
Tags: Prudential

Long-Term Disability for L3 Technologies Employees

October 7, 2024 // by Nick Ortiz

L3 Technologies is a major player in the aerospace and defense industry, providing advanced communications, electronics, and sensor systems for military, commercial, and government markets. Customers include the U.S. Department of Defense and its prime contractors, U.S. government intelligence agencies, the U.S. Department of Homeland Security, the …

Read moreLong-Term Disability for L3 Technologies Employees
Category: Long-Term Disability

Why You Don’t Need To Hire An Attorney In Your State To Appeal ERISA Long-Term Disability Claim Denials

September 20, 2024 // by Nick Ortiz

If you’ve received a denial of your long-term disability (LTD) claim, you may be considering appealing the decision. While it’s a daunting process, the good news is that you don’t have to hire a lawyer in your home state to help you with your appeal—especially if your claim is governed by ERISA (the Employee Retirement …

Read moreWhy You Don’t Need To Hire An Attorney In Your State To Appeal ERISA Long-Term Disability Claim Denials
Category: Working with a Long-Term Disability Attorney

Attorney Fees In A Long-Term Disability Claim

July 30, 2024 // by Nick Ortiz

If you’re unable to work because of an illness or injury, long-term disability insurance should be your safety net. But what happens if your claim is denied? This is where an experienced long-term disability attorney comes in. How Much Do Long-Term Disability Attorneys Charge? One of our office’s most commonly heard questions is: …

Read moreAttorney Fees In A Long-Term Disability Claim
Category: Working with a Long-Term Disability Attorney

Predicting The Worth Of Your Long-Term Disability Lawsuit

July 29, 2024 // by Nick Ortiz

Long-term disability lawsuits are filed when individuals are denied benefits they believe they rightly deserve. You might wonder if pursuing legal action is worth the effort. Understanding the potential worth of your lawsuit is critical—it helps you set realistic expectations and plan your future. These cases often involve complex calculations and …

Read morePredicting The Worth Of Your Long-Term Disability Lawsuit
Category: Long-Term Disability

Will The Court Award Attorney Fees In ERISA LTD Claims?

July 24, 2024 // by Nick Ortiz

When it comes to long-term disability (LTD) claims under the Employee Retirement Income Security Act (ERISA), many claimants wonder if they can recover attorney fees if they win their case. The short answer is yes, it’s possible to recover attorney’s fees in an ERISA LTD claim, but it’s not guaranteed. The Legal Basis For Attorney …

Read moreWill The Court Award Attorney Fees In ERISA LTD Claims?
Category: Long-Term Disability Denials and Appeals

How To Choose The Best Disability Insurance Lawyer To Help You Appeal Your Long-Term Disability Denial

July 17, 2024 // by Nick Ortiz

You’ve just received a long-term disability denial from your insurance company. It feels overwhelming. The legal jargon, endless paperwork, and pushback from the insurance company can make anyone feel lost. That’s where having an experienced disability insurance lawyer comes in. Navigating through disability insurance law isn’t …

Read moreHow To Choose The Best Disability Insurance Lawyer To Help You Appeal Your Long-Term Disability Denial
Category: Long-Term Disability Denials and Appeals

Who Decides If I’m Disabled In A Long-Term Disability Insurance Claim?

July 15, 2024 // by Nick Ortiz

You might assume that a doctor or an independent reviewer decides your disability status. However, in almost all long-term disability insurance cases, the insurance adjuster is the gatekeeper between you and your benefits. Their job is to review your case, check medical records, and decide claims based on the applicable policy. The Role of the …

Read moreWho Decides If I’m Disabled In A Long-Term Disability Insurance Claim?
Category: Long-Term Disability

Proof Of Loss In Long-Term Disability Claims

June 19, 2024 // by Nick Ortiz

Dealing with a long-term disability claim can be overwhelming, especially when it comes to understanding the requirements to file a claim and to be approved for benefits. Proof of loss is a crucial part of the process. Proof of loss the information you provide to your insurance company to show that your illness or injury …

Read moreProof Of Loss In Long-Term Disability Claims
Category: Long-Term Disability

Adverse Benefit Determinations In ERISA Long-Term Disability Claims

June 10, 2024 // by Nick Ortiz

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. …

Read moreAdverse Benefit Determinations In ERISA Long-Term Disability Claims
Category: Long-Term Disability Denials and Appeals

What An Incontestability Clause Means For Your Disability Insurance Claim

June 3, 2024 // by Nick Ortiz

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, …

Read moreWhat An Incontestability Clause Means For Your Disability Insurance Claim
Category: Long-Term Disability

How To Apply Spoon Theory To Disability Claims

May 22, 2024 // by Nick Ortiz

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 …

Read moreHow To Apply Spoon Theory To Disability Claims
Category: Long-Term Disability, Social Security Disability

Is Your Long-Term Disability Claim Governed By ERISA? Key Signs To Look For

May 10, 2024 // by Nick Ortiz

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 …

Read moreIs Your Long-Term Disability Claim Governed By ERISA? Key Signs To Look For
Category: Long-Term Disability

How To Get Your Claim File And Policy After A Long-Term Disability Denial

April 22, 2024 // by Nick Ortiz

Navigating the complexities of a long-term disability denial can be overwhelming. After facing a denial, understanding how to request your claim file and policy is crucial. Reviewing your claim file is essential to gain insight into the reasons behind the denial and to explore potential avenues for appeal. This guide will walk you through the …

Read moreHow To Get Your Claim File And Policy After A Long-Term Disability Denial
Category: Long-Term Disability Denials and Appeals

What Are Your Legal Rights Concerning Your Claim For Long-Term Disability Insurance Benefits?

April 10, 2024 // by Nick Ortiz

Here is a list of your legal rights concerning your claim for long-term disability insurance benefits. This is not a complete list but is intended to highlight some of your most important rights. Seven Legal Rights Concerning Your Claim for Long-Term Disability 1. You Have the Right to Buy an Individual Policy Directly from an …

Read moreWhat Are Your Legal Rights Concerning Your Claim For Long-Term Disability Insurance Benefits?
Category: Long-Term Disability

What Disabilities Are Hard To Prove? Your Guide To Invisible And Hard-to-Prove Disabilities

March 22, 2024 // by Nick Ortiz

Navigating a disability claim can be a daunting journey, especially for those grappling with disabilities that are hard to prove. Conditions involving chronic pain and fatigue may pose significant challenges when it comes to providing tangible proof, as their symptoms are often subjective and fluctuate in nature. These disabilities can be met with …

Read moreWhat Disabilities Are Hard To Prove? Your Guide To Invisible And Hard-to-Prove Disabilities
Category: Long-Term Disability, Social Security Disability

Taking A Vacation While On Disability: What You Need To Know

March 20, 2024 // by Nick Ortiz

Have you ever wondered if you can take a vacation while on disability benefits? It’s a common question among claimants receiving Social Security disability or long-term disability benefits. Enjoying some time away may seem appealing, but it can also raise concerns about how it may affect your benefits. This blog post will delve into taking …

Read moreTaking A Vacation While On Disability: What You Need To Know
Category: Long-Term Disability, Social Security Disability

How To Complete A Long-Term Disability Claim Form

March 15, 2024 // by Nick Ortiz

Long-term disability claim forms can be daunting and overwhelming, but completing them efficiently is achievable with a clear understanding and the right approach. Whether navigating the process for yourself or assisting someone else with the paperwork, knowing how to complete a long-term disability claim form is crucial. By breaking down the form …

Read moreHow To Complete A Long-Term Disability Claim Form
Category: Long-Term Disability

How To Navigate Severance Packages And Long-Term Disability Claims

March 6, 2024 // by Nick Ortiz

When navigating the complexities of severance packages and long-term disability insurance benefit claims, individuals often face many challenging decisions and uncertainties. Particularly – what happens when you’re presented with a severance offer while simultaneously pursuing a long-term disability insurance claim? If you sign the …

Read moreHow To Navigate Severance Packages And Long-Term Disability Claims
Category: Additional Parts Of A Claim That Do Not Happen in Every Case
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I chose the Ortiz Law Firm because they were the only firm I could find that represents clients with M.C.A.S. and it was the best choice I could have possibly made. After receiving multiple denials I reached out to the Ortiz Law Firm for help. Mr. Ortiz and his entire staff were amazing to work with. Thanks to their expertise we were able to get STD/LTD and SSDI settlements. A special shout out to Tiffany and Amber for the great communication and help.

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Recent Posts

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  • Understanding Pre-Existing Condition Exclusions in Disability Insurance: What’s the Difference Between Short-Term and Long-Term Policies?
  • Pensacola International Airport Launches Hidden Disabilities Sunflower Program: A Win for Invisible Disability Awareness
  • Claiming Social Security Disability and Workers’ Compensation Benefits

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Ortiz Law Firm is a national disability law firm specializing in long-term disability appeals, disability insurance lawsuits, and Social Security Disability claims. Contact us for a free case review.

(888) 321-8131
316 S Baylen St., Ste 590,
Pensacola, FL 32502

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