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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.
If you’re receiving long-term disability (LTD) benefits through a group insurance policy, you may be wondering what happens if your employment ends or your group coverage is terminated. One potential option is a “conversion privilege.” How Conversion Works A conversion privilege allows you to convert your group LTD coverage into …
If you’re in the middle of a long-term disability (LTD) claim, you may come across the term MMI, or Maximum Medical Improvement. It’s a medical milestone, but it can also have major implications for your benefits. While that may sound like closure, in the world of disability insurance, it often marks a shift in how …
If you’ve applied for long-term disability (LTD) or Social Security Disability Insurance (SSDI), you may think that driving for Uber, picking up freelance projects, or selling crafts on Etsy is harmless. After all, it’s flexible, sporadic, and usually not a full-time income. But here’s the problem: gig work and part-time jobs still count as …
If you’re appealing a denied long-term disability (LTD) claim, you may find the insurance company asking for something unusual: the raw data from your neuropsychological testing. It might sound like a harmless request — after all, you’ve already given them the doctor’s report. But raw data is different, and sharing it without caution could put …
Long-term disability (LTD) insurance is meant to replace income when illness or injury prevents you from working. Many policyholders expect that, if approved, benefits will last until retirement age. Unfortunately, insurers are increasingly rewriting policy language to limit benefits to just 24 months for a wide range of conditions. What began as …
If you’re applying for or receiving long-term disability (LTD) benefits, you probably know to be careful about what you say to your doctors and the insurance company. But there’s another place insurers increasingly look for red flags: your LinkedIn profile. Even if you haven’t touched your profile in years, what it says—or doesn’t say—can be …
If your long-term disability (LTD) claim has been denied, you’re not alone—and you’re not without options. One of the most important steps you can take right now is to continue your medical treatment. Consistent medical care plays a major role in building a successful appeal. In fact, it’s often one of the most important factors …
When financial pressures mount due to a medical condition, it’s natural to look for ways to stay afloat. Many people receiving or applying for long-term disability (LTD) or Social Security Disability Insurance (SSDI) benefits wonder: “Can I work part-time to make up the difference?” Unfortunately, that approach can backfire. Disability benefits are …
UnitedHealthcare (UHC) denied our client’s long-term disability claim after cancer treatment, relying on a date in a form that didn’t reflect when she actually became unable to work. We clarified the true onset date with a treating-physician letter and a detailed oncology record—then resolved a “missing records” issue by resubmitting the file. …
If your employer goes out of business, the future of your long-term disability (LTD) insurance depends on how your policy is structured. Here’s a breakdown of what typically happens: Employer-Provided Group LTD Policy If your LTD coverage was part of a group plan provided by your employer, it’s likely that: RELATED POST: Is Your LTD …
When facing a long-term disability (LTD) denial, it is important to understand the concept of the “burden of proof.” Simply put, this means the responsibility is on you, the claimant, to prove that you are disabled under the terms of your insurance policy. Here’s what you need to know. It’s not the insurance company that …
You’ve been diagnosed with a serious medical condition. You can’t work. You’ve done everything the insurance company asked—filled out forms, submitted medical records, and followed your doctor’s orders. Still, your long-term disability (LTD) claim was denied. It feels like a punch to the gut. And unfortunately, it’s a situation many people face, …
When you’re fighting for long-term disability (LTD) benefits, one of the most important people on your team is your disability lawyer. But it’s not enough for them to know the law. They also need to understand your disabling conditions. That insight makes all the difference in your case. Here are a few key reasons why …
Long-term disability (LTD) benefits can last anywhere from a few years to retirement age, depending on the specific terms of your policy. Understanding how long benefits might continue—and what might cause them to stop—is key to planning for your financial future. Here’s what you should know: Policy Terms Determine Duration Every LTD policy …
Medical evidence is the foundation of any successful long-term disability claim. Whether you’re filing for benefits or appealing a denial, your medical records must tell a clear story about your condition, your treatment, and your ability (or inability) to work. In this post, we’ll walk through the types of medical evidence that matter most and …
When applying for Social Security Disability Insurance (SSDI), it’s essential to understand what factors the Social Security Administration (SSA) will consider. Certain aspects of your health and daily functioning play a role in determining eligibility, but there are also factors the SSA will not consider. Knowing what is or is not important can …
Are you considering applying for Social Security Disability Insurance (SSDI) benefits? One of the first questions on your mind may be, “How much will I receive each month?” Understanding your estimated benefit amount is important for financial planning. Here’s how to find your estimated Social Security Disability Insurance …
Living with chronic illness is hard enough, but it is even more stressful when disability benefits are taken away. That’s what happened to one of our clients, who hasn’t been able to work because of several mental and physical health conditions. What started as a hopeful application for LTD benefits turned into a difficult fight, …
Getting (and keeping) long-term disability (LTD) benefits isn’t always easy. Recently, New York Life Insurance Company (the parent company of the underwriting company Life Insurance Company of North America) unfairly denied a claimant’s LTD benefits. Thankfully, we were able to turn things around on appeal. Our client has Central Sensitization …
Reliance Standard Life Insurance Company, like many other disability insurers, frequently denies or terminates long-term disability (LTD) claims based upon “independent” physician reviews. These reviews play a significant role in the claims process and are often used to justify claim denials. Understanding how Reliance Standard conducts these …
Yes, volunteering can affect your long-term disability (LTD) insurance claim. Even unpaid work might suggest that you are capable of performing job-related tasks. This could jeopardize your benefits. Before volunteering, it’s important to understand the risks and speak with your doctor. How Insurance Companies View Volunteering When you’re …
The Social Security Administration (SSA) has updated its Compassionate Allowances (CAL) list by adding 13 more medical conditions that now qualify for expedited disability benefits processing. This brings the total number of CAL conditions to 300. The Compassionate Allowances program identifies people whose medical conditions are so severe that …
Minnesota attorney Ann Wessberg prevailed in her ERISA lawsuit against Unum after the insurer terminated her long-term disability benefits despite documented cognitive impairments linked to chemotherapy. The court found that Unum relied on flawed reasoning and non-expert reviewers, ignoring credible medical evidence. It ordered Unum to reinstate …
Long COVID has left millions of people struggling with debilitating symptoms that disrupt every facet of their lives. Despite its recognized impact, disability insurance companies often attempt to deny claims by misclassifying the condition to trigger a mental or nervous limitation or citing a lack of objective diagnostic evidence. Claimants are …