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Are you facing a Dearborn National (formerly Fort Dearborn Life) long-term disability claim denial? Don’t let complex paperwork or frustrating delays stand between you and the benefits you deserve. Ortiz Law Firm helps individuals nationwide fight for their LTD benefits—especially those denied or terminated by Dearborn National.
Why Choose Ortiz Law Firm for Your Dearborn National LTD Claim?
- Years of Experience: Fighting wrongful LTD denials—including Dearborn National—across Florida and the U.S. since 2012.
- Free Case Review & Resources: Start with a free case evaluation or download our Free LTD Book to get answers now.
- No Upfront Fees: You pay nothing unless we win your case.
The Dearborn National Disability Claims Process—And Common Roadblocks
Dearborn National’s own data shows nearly 1 in 3 workers will face disability before age 67. But even with strong claims, many applicants face:
- Endless requests for paperwork or medical records
- Frustrated doctors fielding repeated calls
- Delays followed by sudden denials
If this sounds familiar, you’re not alone. Many policyholders contact us feeling overwhelmed by Dearborn National’s tactics.
What Counts as “Disability” Under Your Dearborn National Policy?
Each policy is unique, but Dearborn National generally requires:
- For the first 24 months: You must be unable to do your regular job and earn less than 20% of your pre-disability income.
- After 24 months: You must be unable to perform any gainful occupation and earn less than 20% of your pre-disability income.
Tip: Always check your own policy for the exact definition, or let our attorneys review it for you.
Denied? Here’s How to Appeal Dearborn National LTD Decisions
Insurance companies like Dearborn National profit by minimizing payouts. Even well-prepared claims can be denied. If you’ve received a denial letter, don’t give up—you have rights:
- Internal Appeals: You can appeal directly with Dearborn National through their administrative process.
- ERISA Lawsuit: After exhausting appeals, you may file a federal lawsuit under ERISA. Some policies allow state court filings—ask us which applies in your case.
Why Work With a Disability Attorney?
Nick Ortiz, founder of Ortiz Law Firm, has successfully represented hundreds of clients in LTD appeals and lawsuits—many right here in Florida. We can help you:
- Understand why your claim was denied
- Gather and submit the right medical evidence
- Complete appeal paperwork accurately and on time
- File suit in federal or state court if needed
Act Quickly—Deadlines Matter
Strict time limits apply to appeals and lawsuits. The sooner you take action, the more time you have to gather evidence in support of your claim. Start with a free review or download our LTD guide for step-by-step next steps.
Don’t Face Dearborn National Alone
Let Ortiz Law Firm take the burden off your shoulders—so you can focus on your health. Call our Pensacola headquarters at (888) 321-8131 or email [email protected] for a free case evaluation with an experienced Dearborn National disability attorney.
