• Skip to main content
  • Skip to header right navigation
  • Skip to site footer

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

  • Mail
  • Facebook
  • LinkedIn
  • YouTube
Ortiz Law Firm logo

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.

  • ABOUT US
    • Nick Ortiz
    • Areas We Serve
    • Our Team
    • Our Case Results
    • Client Reviews and Testimonials
  • PRACTICE AREAS
    • Long-Term Disability Insurance
      • Administrative Appeals
      • Lawsuits
      • Lump Sum Buyouts/Settlements
      • Frequently Asked Questions
      • Occupations That May Qualify
    • Social Security Disability Claims
      • Initial Applications
      • Appeal a Denial
      • Hearings Before an Administrative Law Judge
      • Frequently Asked Questions
      • Disabling Conditions
  • DISABLING CONDITIONS
  • INSURANCE CARRIERS
    • New York Life Group Benefit Solutions (Formerly Cigna)
    • Lincoln Financial
    • Reliance Standard
    • Prudential
    • The Hartford
    • The Standard
    • MetLife
    • Guardian
    • Unum
    • Insurance Company Tricks And Tactics
  • RESOURCES
    • Appeal a Long-Term Disability Denial
    • Long-Term Disability Buyout Calculator
    • eBooks, Guides, and More
    • Disability Law Blog
    • Video Library
    • Long-Term Disability Glossary
    • Abbreviations in Social Security Disability Claims
  • CONTACT

Home | Long-Term Disability

Long-Term Disability

The Burden of Proof in Long Term Disability Claims: What It Means and How to Meet It

October 1, 2025 // by Nick Ortiz

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 …

Read moreThe Burden of Proof in Long Term Disability Claims: What It Means and How to Meet It
Category: Medical Eligibility for Long-Term Disability Claims

Why You Might Lose Your Long-Term Disability Claim Even If You Are Disabled

September 26, 2025 // by Nick Ortiz

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, …

Read moreWhy You Might Lose Your Long-Term Disability Claim Even If You Are Disabled
Category: Long-Term Disability Denials and Appeals

Why Your Disability Insurance Lawyer Needs to Understand Your Disabling Conditions

September 22, 2025 // by Nick Ortiz

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 …

Read moreWhy Your Disability Insurance Lawyer Needs to Understand Your Disabling Conditions
Category: Medical Eligibility for Long-Term Disability Claims

How Long Does Long-Term Disability Pay?

September 17, 2025 // by Nick Ortiz

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 …

Read moreHow Long Does Long-Term Disability Pay?
Category: Long-Term Disability

How Medical Evidence Supports Your Long-Term Disability Claim

September 12, 2025 // by Nick Ortiz

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 …

Read moreHow Medical Evidence Supports Your Long-Term Disability Claim
Category: Medical Eligibility for Long-Term Disability Claims

Challenging a Reliance Standard Long-Term Disability Denial: Understanding Independent Physician Reviews

August 20, 2025 // by Nick Ortiz

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 …

Read moreChallenging a Reliance Standard Long-Term Disability Denial: Understanding Independent Physician Reviews
Category: Medical Eligibility for Long-Term Disability Claims

Will Volunteering Affect My Long-Term Disability Insurance Claim?

August 15, 2025 // by Nick Ortiz

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 …

Read moreWill Volunteering Affect My Long-Term Disability Insurance Claim?
Category: Long-Term Disability, Your Chances of Getting Approved for Disability Benefits

When Disability Insurers Deny Long COVID Claims Due to Mental Health Limitations and Objective Evidence Requirements

August 8, 2025 // by Nick Ortiz

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 …

Read moreWhen Disability Insurers Deny Long COVID Claims Due to Mental Health Limitations and Objective Evidence Requirements
Category: Long-Term Disability, Long-Term Disability Denials and Appeals

How Long-Term Disability and Workers’ Compensation Benefits Interact

July 18, 2025 // by Nick Ortiz

If you’re unable to work because of an illness or injury, you may be eligible for more than one type of benefit. Two of the most common are long-term disability (LTD) insurance and workers’ compensation (WC). While it’s possible to get both, it’s important to understand how these benefits work together and how one can …

Read moreHow Long-Term Disability and Workers’ Compensation Benefits Interact
Category: Long-Term Disability

Do I Automatically Get Long-Term Disability If I’m Approved For Short-Term Disability?

July 16, 2025 // by Nick Ortiz

Being approved for short-term disability (STD) does not automatically mean you’ll be approved for long-term disability (LTD). While the two benefits are often linked, especially if they’re offered by the same insurance company, there are important differences in how they’re evaluated. Here’s what you need to know: 1. Separate Applications and …

Read moreDo I Automatically Get Long-Term Disability If I’m Approved For Short-Term Disability?
Category: Long-Term Disability

Do Short-Term Disability Insurance Policies Have Pre-Existing Condition Exclusions?

July 7, 2025 // by Nick Ortiz

When shopping for or reviewing disability insurance, one important clause to understand is the “pre-existing condition exclusion.” This clause can significantly impact your ability to collect benefits if your disability is related to a medical condition you had before your coverage began. But here’s the key distinction: while …

Read moreDo Short-Term Disability Insurance Policies Have Pre-Existing Condition Exclusions?
Category: Long-Term Disability
Tags: Pre-Existing Condition

How Insurers Misinterpret Medical Evidence to Deny Long-Term Disability Claims

June 27, 2025 // by Nick Ortiz

For many professionals, a disabling chronic illness brings more than just physical symptoms. It upends your career, your routines, and your sense of identity. You’ve spent years building your professional life, only to be sidelined by a medical condition that makes full-time work impossible. When you file a claim for long-term disability (LTD) …

Read moreHow Insurers Misinterpret Medical Evidence to Deny Long-Term Disability Claims
Category: Medical Eligibility for Long-Term Disability Claims

How to Get a Supportive Medical Statement for Your Disability Claim

June 20, 2025 // by Nick Ortiz

When you’re filing a disability claim for Social Security Disability (SSD) or Long-Term Disability (LTD) a supportive statement from your treating physician can make all the difference. But what happens if your doctor is reluctant to get involved? It’s a common hurdle, and one that can often be overcome with the right approach and the …

Read moreHow to Get a Supportive Medical Statement for Your Disability Claim
Category: Long-Term Disability, Social Security Disability

Should You Accept a Buyout Offer from Unum on Your Long-Term Disability Claim?

June 16, 2025 // by Nick Ortiz

If you’re receiving long-term disability (LTD) benefits from Unum, you may eventually receive a buyout offer, which is a lump sum payment in exchange for giving up future monthly benefits. It may seem like a good deal on the surface, but there’s a lot to consider before you say yes. What Is a Long-Term Disability …

Read moreShould You Accept a Buyout Offer from Unum on Your Long-Term Disability Claim?
Category: Additional Parts Of A Claim That Do Not Happen in Every Case, Long-Term Disability
Tags: Unum

Understanding Sun Life’s Independent Physician Reviews

June 11, 2025 // by Nick Ortiz

If your long-term disability (LTD) claim has been denied by Sun Life, one of the most critical parts of the appeals process may involve an “independent” physician review. While this may sound like an objective second opinion, the process is often anything but neutral. In reality, these reviews can be a significant hurdle in securing …

Read moreUnderstanding Sun Life’s Independent Physician Reviews
Category: Additional Parts Of A Claim That Do Not Happen in Every Case, Long-Term Disability, Medical Eligibility for Long-Term Disability Claims
Tags: Sun Life

Can I Collect Long-Term Disability Benefits If I Live Outside the United States?

June 9, 2025 // by Nick Ortiz

In 2016, the Association of Americans Resident Overseas estimated that there were 8.7 million U.S. citizens were living abroad, and the Social Security Administration reported that more than half a million people living outside the United States receive some type of Social Security benefit, including Social Security Disability …

Read moreCan I Collect Long-Term Disability Benefits If I Live Outside the United States?
Category: Long-Term Disability

Can I Quit My Job While on Long Term Disability?

June 4, 2025 // by Nick Ortiz

Many long term disability recipients remain “employed” with their employer, perhaps listed as an “inactive employee”. But let’s say there has not been a formal separation either by resignation or termination. Can one “quit” the job while receiving long term disability (LTD) benefits? Yes, you can quit your job while on LTD benefits, but it’s …

Read moreCan I Quit My Job While on Long Term Disability?
Category: Non-Medical Eligibility for Long-Term Disability Claims

Your Long-Term Disability Appeal May Be Your Only Chance to Submit New Evidence

May 30, 2025 // by Nick Ortiz

Many people assume that if their long-term disability (LTD) appeal is denied, they can simply take the insurance company to court and present all the evidence they didn’t get to include earlier. Unfortunately, that’s not how it works under the law that governs most group LTD policies: ERISA, which is short for the Employee Retirement …

Read moreYour Long-Term Disability Appeal May Be Your Only Chance to Submit New Evidence
Category: Long-Term Disability Denials and Appeals

Understanding Long-Term Disability Reviews: Why Your LTD Benefits Aren’t Guaranteed Forever

May 26, 2025 // by Nick Ortiz

When an insurance company approves a long-term disability (LTD) claim, many claimants assume that their benefits will continue indefinitely into the future. However, insurers are not required to approve benefits forever. Instead, they conduct periodic reviews to determine whether a claimant still meets the policy’s definition of disability. …

Read moreUnderstanding Long-Term Disability Reviews: Why Your LTD Benefits Aren’t Guaranteed Forever
Category: Long-Term Disability

Peer Review Reports In Long-Term Disability Claims and Appeals

May 22, 2025 // by Nick Ortiz

If your long-term disability (LTD) claim has been denied, there’s a good chance that a “peer review report” played a role in that decision. Understanding what these reports are and how they’re used can help you make sense of the denial letter you received and decide what to do next. What Is a Peer Review …

Read morePeer Review Reports In Long-Term Disability Claims and Appeals
Category: Additional Parts Of A Claim That Do Not Happen in Every Case, Medical Eligibility for Long-Term Disability Claims

Why It Takes So Long to Receive a Decision on a Long-Term Disability Appeal

May 19, 2025 // by Nick Ortiz

You’ve filed your long-term disability (LTD) appeal. You followed the instructions, submitted medical records, maybe even worked with your doctor or an attorney. Now comes the hardest part: waiting. You may be checking the mail or your inbox daily, wondering when the insurance company will respond. If it’s been several weeks, or even months, you’re …

Read moreWhy It Takes So Long to Receive a Decision on a Long-Term Disability Appeal
Category: Long-Term Disability Denials and Appeals

What Does Disability Mean In A Long-Term Disability Claim?

May 12, 2025 // by Nick Ortiz

When people think of disability, they often picture someone who can’t work at all. But when it comes to long-term disability insurance, the word “disability” can mean very different things depending entirely on how it’s defined in your policy. Understanding the exact definition of “disability” in your plan is critical. It’s the basis for whether …

Read moreWhat Does Disability Mean In A Long-Term Disability Claim?
Category: Long-Term Disability

The Appeals Process for Mental Health-Related Long-Term Disability Claims

April 25, 2025 // by Nick Ortiz

Navigating the appeals process for mental health-related long-term disability (LTD) claims can be particularly challenging. Unlike physical conditions that can be documented with imaging and lab results, mental health disorders rely on more subjective assessments that insurers often undervalue or dismiss. Insurers may also use various tactics to …

Read moreThe Appeals Process for Mental Health-Related Long-Term Disability Claims
Category: Long-Term Disability Denials and Appeals

How Long Does A Long-Term Disability Appeal Take?

April 14, 2025 // by Nick Ortiz

When filing a long-term disability (LTD) appeal, many people ask: “How long will it take?” Unfortunately, the answer is “it depends.” There are two main phases to the appeal timeline: We’ll break down what happens in each phase and why the entire process can take several months or more. Phase 1: Preparing the Appeal Under …

Read moreHow Long Does A Long-Term Disability Appeal Take?
Category: Long-Term Disability Denials and Appeals
  • Page 1
  • Page 2
  • Page 3
  • Interim pages omitted …
  • Page 8
  • Next

Sidebar

Book cover: Top Ten Mistakes That Will DESTROY Your Long-Term Disability Claim

Free e-Book for LTD Claims

Discover the common pitfalls that can derail your long term disability claim.

Get Your Free Book

Our Clients Love Us

Ortiz Law Firm handled my LTD case and did an excellent job! Mr. Ortiz and Amber kept me up to date every step of the way, and were always available to answer my questions. Their expertise was invaluable! I achieved a great outcome and would highly recommend them!

Joe D.

See All Testimonials

Denied LTD Benefits?

Get a Free, No-Obligation Review of your denial letter from an experienced disability attorney.

Get Your Free Review

Recent Posts

  • We Fixed an Onset-Date Mix-Up and Won a UnitedHealthcare LTD Appeal
  • What Happens to My Long-Term Disability Insurance If My Employer Goes Out of Business?
  • The Burden of Proof in Long Term Disability Claims: What It Means and How to Meet It
  • Why You Might Lose Your Long-Term Disability Claim Even If You Are Disabled
  • Why Your Disability Insurance Lawyer Needs to Understand Your Disabling Conditions

Contact Us

Ortiz Law Firm is a national disability law firm specializing in long-term disability appeals, disability insurance lawsuits, and Social Security Disability claims. Contact us for a free case review.

(888) 321-8131
316 S Baylen St., Ste 590,
Pensacola, FL 32502

  • Mail
  • Facebook
  • LinkedIn
  • YouTube

Claims We Handle

  • Group Long-Term Disability
  • ERISA Disability Claims
  • Individual Disability Insurance
  • Social Security Disability Claims
  • Long-Term Care Insurance

Quick Links

  • About Us
  • Nick Ortiz
  • Free Resources
  • Video Library
  • Client Testimonials
  • Successful LTD Appeals
  • Nationwide Representation
  • Refer a Case

Our Pensacola Office


Sitemap | Disclaimer | Privacy Policy

Copyright © 2025 | Ortiz Law Firm | All Rights Reserved