• 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 / Long Term Disability Denied From the Beginning: Was Anything on Your Application Harmful to Your Claim?

Long Term Disability Denied From the Beginning: Was Anything on Your Application Harmful to Your Claim?

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


Long-term disability insurance claims are usually denied because the claimant did not provide sufficient evidence – particularly medical records – for approval. This is why it is so important to double-check everything before you submit it.

  • Did you provide the correct doctor’s names and addresses?
  • Did you identify all other medical providers, such as physical therapists, mental health counselors, clinics, and hospitals?
  • Did you provide the correct dates of service?
  • Was all of your medical treatment documented?
  • Were all of your resulting impairments noted?
  • Was there enough good evidence to support the claim?

The majority of claims are denied due to simple mistakes that can lead to months of frustration for you. Some insurance companies will try to point out “bad facts” that are on your medical record. Bad facts in your records may include:

  • Evidence of drug abuse or alcohol abuse;
  • Notations of work activity after you said your disability started;
  • A doctor notating that you are exaggerating your claim; and/or
  • Inconsistent evidence in your file that you appear to be doing more on a daily basis than you claimed on your LTD application.

If you feel that bad facts are hurting your case, contact the Ortiz Law Firm. Although based in Florida, the Ortiz Law Firm represents claimants across the United States. If your LTD claim has been wrongfully denied, delayed, or terminated and you’d like to speak to an experienced Long Term Disability Insurance Attorney contact us at (866) 853-4512 to schedule a free consultation. We can help you evaluate your claim to determine if you will be able to access Long Term Disability benefits and how to move forward with the process. 

FacebookTweetPinLinkedInPrintEmail

Category: Long Term Disability, Long Term Disability Denials and Appeals

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: « Checklist Of “Do’s And Don’ts” In Appealing An LTD Denial
Next Post: Disability Decisions Explained »

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


Kris M.

Tory Nelson was my primary contact with Ortiz Law Firm and she was simply awesome to work with anytime I called. She kept me informed on my case, answered my questions, or if she didn’t know, she found out!

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!