• Menu
  • Skip to right header navigation
  • Skip to main content
  • Skip to secondary navigation
  • 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

National Disability Law Firm | Ortiz Law Firm

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 Long Term Disability Claim
    • Lump Sum Disability Settlement Calculator
    • Physical RFC Form
    • Mental RFC Form
    • Ultimate Appeal Checklist
    • Long Term Disability Case Study
  • 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
    • Our Team
      • Nick Ortiz
      • Jessica Ortiz
      • Dawn Keller
      • Tory Nelson
      • Sarah Palag
    • Core Values
    • Our Results
      • Why Choose Ortiz Law Firm
      • What Our Clients Say
      • Testimonials
  • PRACTICE AREAS
    • Long Term Disability Claims
      • Administrative Appeals
      • Lawsuits
      • Lump-Sum Settlement Offers
      • Qualifying Conditions
      • Disability Insurance Companies
      • Qualifying Occupations
      • Case Summary Archives
      • FAQs
    • Social Security Disability Claims
      • Initial Application
      • Request for Reconsideration
      • Hearing Before an Administrative Law Judge
      • Qualifying Conditions
      • FAQs
    • Personal Injury Claims
      • Car Accident Claims in Pensacola, Florida
      • Bicycle Accident Claims in Pensacola, Florida
      • Motorcycle Accident Claims in Pensacola, Florida
      • Truck Accident Claims in Pensacola, Florida
      • Slip & Fall
      • Insurance Companies
      • FAQs
  • AREAS WE SERVE
  • RESOURCES
    • Top 10 Mistakes That Will Destroy Your LTD Claim
    • Top 10 Mistakes That Will Destroy Your SSD Claim
    • Lump Sum Disability Settlement Calculator
    • Physical Residual Functional Capacity Form
    • Mental Residual Functional Capacity Form
    • Ultimate LTD Appeal Checklist
    • LTD Case Study: Fibromyalgia
    • Top 10 Mistakes That Will Destroy Your FL Car Accident Claim
  • BLOG
    • Long Term Disability
      • Eligibility for Long Term Disability Claims
      • Medical Eligibility for Long Term Disability Claims
      • Your Chances of Getting Approved for Disability Benefits
      • Long Term Disability Denials and Appeals
      • Additional Parts Of A Claim That Do Not Happen in Every Case
    • Social Security Disability
    • Personal Injury
  • REFER A CASE
  • 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

  • Facebook
  • LinkedIn
  • Twitter
  • YouTube

Long Term Disability Guidelines

July 14, 2020 //  by Dawn Keller//  Leave a Comment


Five Simple Mistakes to Avoid When Completing Long Term Disability Paperwork

Completing paperwork for your long term disability claim is one of the first steps in the process. While it is essential to provide accurate and thorough information, too often people share too much or not enough on their paperwork that can open the door for a denied claim.

Step 1: Don’t Generalize Your Symptoms

Stating specifically how your symptoms are affecting your everyday life is essential. Has someone ever asked you “How are you doing?” and instead of telling them how badly you feel,  you simply respond “fine.” ; This is not the time to say you are “fine.” Create a running list of the medical symptoms you are experiencing, and what barriers they are creating for you. 

Don’t be hesitant to share your mental symptoms as well. Becoming disabled is known to cause depression; if you experience this be sure to let them know. List all of your medications and any side effects that you may be experiencing as well.

Step 2: Don’t Leave Out Your Work Limitations

Listing work limitations may seem extremely obvious, but sometimes when you are dealing with a painful injury, you may forget to gather evidence of your current work limitations. A list of your past work requirements and what your current restrictions are will be beneficial to your claim. They may request you fill out a work questionnaire. They may also ask your doctor to complete a functional capacity report. This can be a great supporting document for your claim.

Be specific about the type of work that you performed before you were disabled. Did you bend or lift heavy items? Did you sit all day? Don’t forget the little things that may be outside of your job description. Do you take out all the trash once a week or have to carry heavy boxes of supplies down to another office? You may overlook these tasks because they are not a part of your job description, but they are still a part of your job.

Step 3: Don’t Forget to Review Your Doctor’s Notes in Your Medical Records

Your doctor(s) will take notes each time you visit the doctor’s office. You need to make sure that your doctor is recording your symptoms AND how the meds are making you feel. Writing down how a patient feels is not a common practice for many doctors. It may be something that they cannot treat like fatigue or depression. Even though you are telling the doctor how you feel, don’t assume the doctor is writing it down. The insurance company will want to see it in writing, and the insurance company may assume you are being untruthful if your recollection is not reflected in the doctor’s notes.

Step 4: Don’t Miss Appointments

The insurance adjuster will request your records for all the doctors that you list along with a list of appointments. If you miss an appointment, they may assume that you are not as sick or injured as you claim. Keep your appointments. Co-pay costs can become a financial burden. Request that the billing department put you on a payment plan so you can keep your appointments.

Step 5: Don’t Have Sloppy Records

Keeping neat, preferably typed records is essential. Your claim can be denied a few times so keeping correspondence in order is critical.

What If My Claim Has Already Been Denied?

If you have already received a letter of denial, it would be a good idea to contact an LTD attorney that can help you navigate the process with the insurance company. An experienced LTD attorney can help you gather all the documents you need to create a complete administrative file. They can also help you stay on track with your timeline. Most cases have a deadline for appeals.

It’s important to note that your Long Term Disability attorney does not get paid until you do so that you can proceed with your case without fear of upfront legal bills or costs.

Although based in Florida, the Ortiz Disability Law Firm represents claimants across the United States. If you’d like to speak to an experienced Long Term Disability Insurance Attorney about your denied claim, contact us at (866) 853-4512 to schedule a consultation. We can help you evaluate your claim to determine whether you qualify for Long Term Disability Benefits and how to move through the appeals process.

Facebook0Tweet0Pin0LinkedIn0Print0Email0

Category: Long Term Disability

Recent Posts

  • How to Write a Long Term Disability Appeal Letter & Why Most Appeals Suck
  • How to Improve Your Chances of Getting Disability
  • Own Occupation vs. Any Occupation: What’s The Difference?
  • An Independent Medical Examination (IME) by an Independent Medical Physician
  • How to Appeal a Long Term Disability Denial: Tips for Your Appeal
Previous Post: « Long Term Disability Claims and Government Employees
Next Post: Long Term Disability: Information & Criteria »

Reader Interactions

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Primary Sidebar

View All Resources


A. S.

The Ortiz Law Firm who is seven hours away from me, willingly took over my claim with confidence and reassurance. Highly impressed with the staff, who is knowledgeable, prompt and so sincere. Nick Ortiz himself, spent time with me over the phone and personally got to know my claim. On the day of my hearing, Ortiz greeted me with confidence, represented my claim with passion and knowledge. There aren't enough Thank You's that I can say to the Ortiz law Firm for getting me through this journey!

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.

Navigation

  • Free Resources
  • Qualifying Conditions for LTD
  • LTD Insurance Companies
  • Qualifying Occupations for LTD
  • Case Summary Archives
  • LTD FAQ
  • Qualifying Conditions for SSD
  • SSD FAQ
  • PI FAQ
  • PI Insurance Companies
  • Disclaimer

Footer

Our Team

  • Nick Ortiz
  • Jessica Ortiz
  • Dawn Keller
  • Sarah Palag
  • Tory Nelson

Our Law Office

ORTIZ LAW FIRM
(888) 321-8131

823 E. Jackson St.
Pensacola, FL 32501
Monday - Thursday: 9:00 AM - 5:00 PM Friday: 9:00 AM - 2:00 PM

Saturday - Sunday: Closed

Practice Areas

  • Long Term Disability Claims
  • Social Security Disability Claims
  • Personal Injury Claims
  • Facebook
  • LinkedIn
  • Twitter
  • YouTube
  • Free Long Term Disability Resources
  • Long Term Disability Frequently Asked Questions
  • Medical Conditions That May Qualify for Long Term Disability
  • LTD Insurance Carriers
  • Occupations That May Qualify for LTD
  • LTD Blog
  • LTD Federal Court Case Summaries
  • Contact
  • Disclaimer

Site Footer

©2020 Ortiz Law Firm, All Rights Reserved. Reproduced with Permission | Privacy Policy

Share this ArticleLike this article? Email it to a friend!

Email sent!