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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.
Here you can browse all of our posts related Long-Term Disability (LTD) insurance claims.
If New York Life denied your long-term disability (LTD) claim, you still have a path forward. The appeal is your chance to correct errors, close evidence gaps, and build the strongest possible case if you later need to file a lawsuit. Below is a clear, practical plan based on how we handle New York Life …
If your short-term disability (STD) claim was denied, you’re probably feeling discouraged—and maybe wondering whether it even makes sense to try for long-term disability (LTD) benefits. The truth is: you often can still pursue LTD, and in many cases you should. Denying an STD claim does not automatically bar a valid LTD claim. Why Short-Term …
When you apply for long-term disability (LTD) or Social Security Disability Insurance (SSDI) benefits, you’re asserting that you’re unable to work due to a medical condition. Many claimants don’t fully grasp what that means in practice—or how even minimal work activity can be used against them. Whether you’re running errands for a neighbor, …
If you’re applying for long-term disability (LTD) or Social Security Disability Insurance (SSDI) benefits, you know that working can put your claim at risk. But what about hobbies? Activities like painting, photography, gardening, woodworking, or volunteering may seem harmless—but depending on how they’re perceived, your insurer or the Social …
Baptist Health Care is one of the major employers in Pensacola, FL and the surrounding area. If you work for Baptist Health Care or you’re employed through one of Baptist’s affiliated entities such as Baptist Medical Group, Baptist Medical Park Surgery Center, Baptist Urgent Care, Jay Hospital, or The Towers Pharmacy, you likely have …
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 …
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 …
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 …
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 …
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 …
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 …