• Menu
  • Skip to right header navigation
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer

Before Header

Has your disability claim been wrongfully denied or terminated? Call us today for help!  (888) 321-8131

  • Facebook
  • Instagram
  • LinkedIn
  • Twitter
  • YouTube

OLF Ortiz Law Firm National Disability Attorneys

We appeal wrongful long term disability insurance and Social Security Disability denials.

  • ABOUT US
    • Our Team
    • Our Results
    • Areas We Serve
    • Core Values
  • PRACTICE AREAS
    • Administrative Appeals
    • Lawsuits
    • Lump Sum Settlement Offers
  • RESOURCES
    • Top 10 Mistakes That Will Destroy Your LTD Claim
    • Physical RFC Form
    • Mental RFC Form
    • Ultimate Appeal Checklist
    • Long Term Disability Case Study
    • Lump Sum Disability Buyout Calculator
  • BLOG
    • Long Term Disability Denials and Appeals
    • Medical Eligibility for Long Term Disability Claims
    • Eligibility for Long Term Disability Claims
    • Your Chances of Getting Approved for Disability Benefits
    • Additional Parts Of A Claim That Do Not Happen in Every Case
  • Search
  • CONTACT
  • ABOUT US
    • Areas We Serve
    • Testimonials
    • Our Team
      • Nick Ortiz
    • Our Office
    • Core Values
    • Referring Attorney Program
  • PRACTICE AREAS
    • Long Term Disability Claims
      • Administrative Appeals
      • Lawsuits
      • Lump-Sum Buyout Offers
    • Social Security Disability Claims
      • Initial Applications
      • Request for Reconsideration
      • Hearing Before an Administrative Law Judge
    • Personal Injury Claims
  • DISABLING CONDITIONS
    • Long Term Disability
    • Social Security Disability
  • INSURANCE CARRIERS
    • Cigna
    • Guardian
    • Hartford
    • Lincoln Financial
    • Matrix Absence Management
    • MetLife
    • Mutual of Omaha
    • Northwestern Mutual
    • New York Life
    • Principal
    • Prudential
    • Reliance Standard
    • Standard
    • Unum
  • RESOURCES
    • Blog
    • Free Downloads
    • Lump Sum Disability Buyout Calculator
    • FAQ: Long Term Disability
    • FAQ: Social Security Disability
    • Abbreviations in Social Security Disability Claims
  • Search
  • CONTACT

Mobile Menu

Schedule A Free Consultation Now!

Find out how our law firm can help you win your case or you don’t pay a cent.

(888) 321-8131

  • ABOUT US
    • Areas We Serve
    • Testimonials
    • Our Team
      • Nick Ortiz
    • Our Office
    • Core Values
    • Referring Attorney Program
  • PRACTICE AREAS
    • Long Term Disability Claims
      • Administrative Appeals
      • Lawsuits
      • Lump-Sum Buyout Offers
    • Social Security Disability Claims
      • Initial Applications
      • Request for Reconsideration
      • Hearing Before an Administrative Law Judge
    • Personal Injury Claims
  • DISABLING CONDITIONS
    • Long Term Disability
    • Social Security Disability
  • INSURANCE CARRIERS
    • Cigna
    • Guardian
    • Hartford
    • Lincoln Financial
    • Matrix Absence Management
    • MetLife
    • Mutual of Omaha
    • Northwestern Mutual
    • New York Life
    • Principal
    • Prudential
    • Reliance Standard
    • Standard
    • Unum
  • RESOURCES
    • Blog
    • Free Downloads
    • Lump Sum Disability Buyout Calculator
    • FAQ: Long Term Disability
    • FAQ: Social Security Disability
    • Abbreviations in Social Security Disability Claims
  • Search
  • CONTACT
  • Facebook
  • LinkedIn
  • Twitter
  • YouTube
You are here: Home / Long Term Disability / Additional Parts Of A Claim That Do Not Happen in Every Case / Long-Term Disability for Multiple Disabilities

Long-Term Disability for Multiple Disabilities

July 14, 2020 //  by OLF//  Leave a Comment


Are you suffering from multiple disabilities? You may think that if you are suffering from a set of combined aliments that your long-term disability claim should get approved even faster than if you only suffered from one ailment. But in fact, the opposite is true. When claimants for long-term disability for multiple disabilities, the insurance company will use sneaky tactics to try to prove you can still work even if the opposite is true. Here are some ways you can combat this problem:

Sneaky Insurance Company Tactics

When you are suffering from multiple disabilities, the insurance company will take your medical file and break it down into pieces before sending it to the medical experts for review. This ensures that the medical experts only see a small piece of the puzzle. With only the information provided, the medical expert must determine whether or not a claimant can work based solely on that information. The insurance company hopes that this way, more medical experts will determine you can work because they do not see your overall health picture.

Here is an example:

Mark was diagnosed with myasthenia gravis during a visit with this doctor. myasthenia gravis is a neuromuscular autoimmune disease that causes muscle weakness and gets progressively worse over time. This muscle weakness is debilitating as most people with the disease will need to rest often because too much moving around weakens the muscles and can lead to a dangerous fall. He is currently receiving autoimmune therapy treatments, which weaken his immune system in an effort to repair it. During his most recent visit, he was diagnosed with rheumatoid arthritis.  Although both of these alignments make it impossible for Mark to work, the insurance company sent his medical file in pieces to a rheumatologist who specializes in rheumatoid arthritis and a neuromuscular specialist to review separately. They hope that Mark will be determined to work even though his combined symptoms make it impossible.

Should the medical experts ask for more information on the claimant before making a decision? Of course. But these medical experts are paid by the insurance company who have an interest in seeing your claim denied. They will take these medical findings from medical “experts” and use them as strong evidence against you. This is why it’s so crucial to use a long term disability attorney. In 2018, these practices were supposed to stop with the passing of the new ERISA regulations. However, some insurance companies continue to appeal that decision and use in-house doctors to exam claimants.

Hire a Long Term Disability Attorney

An experienced long term disability attorney knows that you are a person. Not a medical file that can be split up into pieces. Your disability attorney can hire medical specialists that will review your entire medical file as a whole to determine in what capacity you can or cannot work. They also know all the other insurance company denial tactics and how to avoid them. If the insurance company chooses to ignore your medical experts in favor of their medical experts, they must now state that in your denial letter.

Have you already been denied? No problem. The long term disability attorneys at Nick Ortiz Law can help you with your appeal, hire medical experts to review your medical file and walk you through the process of avoiding long term disability insurance company traps.

In conclusion,

Your claim with combined disabilities can be treated unfairly by the long term disability insurance company. Since you are so limited by the appeals process, consider consulting a long term disability attorney very early on. An experienced long term disability attorney can help you stay on top of your deadlines, help you gather your documents, assist you during field interviews, and give you guidance that will help you get your claim approved.

An experienced long term disability attorney at the Ortiz Law Firm can help you through every step of the process, from initial application to potential appeals. They only get paid if you win your case. You can seek help without worrying about upfront costs or unexpected bills. Our law experts will focus on your case so you can focus on your illness.

The Ortiz Law Firm offers a free consultation with no obligation to use our firm. During the call, you can ask any questions you have regarding your letter to your employer, and we will answer them. The Ortiz Law Firm has successfully represented people in disability cases across the United States. To see how we can help you win your long-term disability case, call us at (888) 321- 8131.

FacebookTweetPinLinkedInPrintEmail

Category: Additional Parts Of A Claim That Do Not Happen in Every Case, Long Term Disability

Recent Posts

  • Marselle v. Unum – Kentucky District Court Finds Unum Made a “Reasoned Determination”
  • Foss v. Standard – “Own Occ” is With Any Employer, Not With Specific Employer
  • SSA Grid Rules Explained
  • What is a Trial Work Period? [2022 Update]
  • Can A Doctor Refuse To Fill Out Disability Forms?
Previous Post: « Individual Policies: Review Your Application For Disability Benefits Before Applying
Next Post: Long Term Disability Buyout Offers v. Settlement Offers Settlement v. Buyout»

Reader Interactions

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Primary Sidebar

Top Ten Mistakes That Will Destroy Your Long Term Disability Claim

View All Resources


Clara C.

This law firm provided excellent service to me as a client. I felt reassured of favorable results at all times under their representation. Kate Hauser and all the other staff members are reliable, intelligent, efficient, well rounded, and absolutely fantastic!! What a strong reflection of justice for disability issues.

View All Testimonials

Complete this CONFIDENTIAL form or call (888) 321-8131 for a FREE case evaluation

  • This field is for validation purposes and should be left unchanged.

Practice Areas

  • Long Term Disability Insurance and ERISA Disability Insurance Claims
  • Social Security Disability Claims
  • Personal Injury Claims

Footer

Location

ORTIZ LAW FIRM
(888) 321-8131

316 S Baylen St
Ste 590
Pensacola, FL 32502
Monday - Thursday: 9:00 AM - 5:00 PM Friday: 9:00 AM - 2:00 PM
Saturday - Sunday: Closed

Our Team

  • Nick Ortiz
  • Jessica Ortiz
  • Dawn Keller
  • Tory Nelson

Practice Areas

  • Long Term Disability Insurance and ERISA Disability Insurance Claims
  • Social Security Disability Claims
  • Personal Injury Claims
  • Facebook
  • LinkedIn
  • Twitter
  • YouTube

Site Footer

©2020 Ortiz Law Firm, All Rights Reserved. Reproduced with Permission | Disclaimer | Privacy Policy

Share this ArticleLike this article? Email it to a friend!

Email sent!