Disability and Injury FAQs

Injuries and illnesses that keep from work can cause considerable personal and financial strain. At these times, individuals and families rely on insurance policies to keep them secure. When those benefits are denied, it’s natural to have many concerns and questions. Browse our FAQs to find information and insight from our experienced disability and injury attorneys.
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  • What are your attorney’s fees?

    Attorneys are typically paid in one of two ways: (1) by the hour; and (2) on a “contingency” basis.

    Under Option 1, the attorney is paid whether the client wins or loses the case. Moreover, the attorney may charge hundreds of dollars and require a retainer be paid up front. Because many people cannot afford to put up a retainer they opt for Option 2.

    A contingency means that something must occur before the fee is triggered. In the case of an attorney-client relationship, the contingency is that the claimant must realize a recovery before there is any fee. In other words, “No win, no fee.”

    However, if there is a recovery, the attorney will typically share a percentage of the recovery as a fee. Some have referred to this arrangement as “the poor man’s key to the courthouse,” as it allows a client to retain an attorney without paying anything out-of-pocket up front.

    The Ortiz Law Firm handles virtually of of its cases on a contingent fee basis.

    • In Social Security cases, the “contingency fee” is typically 25% of the back pay owed to the claimant.
    • In Long Term Disability Insurance (LTD), Short Term Disability (STD) and ERISA cases, the fee is typically 33 1/3-40%.

  • How Am I Supposed to Get Medical Treatment Without Insurance or Money for the Doctor?

    I said earlier that the most important part of a disability claim is medical records. The most common response I receive from my clients is, “How am I supposed to see a doctor or go to the hospital if I don’t have any money or insurance?”

    This is a valid point. In fact, lack of money or health insurance to see a doctor is a legitimate excuse for not seeking medical attention. However, this argument does not go very far with many Judges. The number one reason the argument can only go so far is that there are a number of free or low-cost clinics in the greater Pensacola area. These clinics may see patients for free, or for as little as $5.00. There is usually a screening process to determine whether the prospective patient qualifies for the care. In short, the free or low-cost medical care is only available to low income and uninsured individuals.

    Where to Get Medical Treatment Without Insurance

    There are several such clinics in our area. They include:

    1. The Health and Hope Clinic
    1718 E Olive Road
    Pensacola, FL 32514
    (850) 479-4456
    Mon, Wed, & Fri 8:30 a.m. to 12 p.m.
    Tues & Thurs 5 p.m. to 8 p.m.

    2. St. Joseph Catholic Church Medical Clinic
    131 W Intendencia St
    Pensacola, FL 32502
    (850) 434-8162
    Tuesday & Thursday:9 a.m. to Noon

    3. Community Health Northwest Florida
    2315 W Jackson Street
    Pensacola, FL 32505
    (850) 436-4630
    Mon to Fri 8 a.m. to 5 p.m.

    4. Lakeview Center (for mental health) (main campus)
    1221 West Lakeview Avenue
    Pensacola, FL 32501
    Business Line: 850.432.1222
    New Appointments: 850.469.3500