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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.
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: …
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) …
When you’re filing a disability claim—whether 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 …
If you’re receiving long-term disability (LTD) benefits from Unum, you may eventually receive a buyout offer — 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 Buyout? …
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 …
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 …
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 …
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 …
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. …
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 Report? …
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 …
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 …
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 …
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 ERISA, …
When appealing a long-term disability (LTD) claim denial with New York Life, the employee reviewing your LTD claim may not be a medical professional, but they will likely consult with one. New York Life (NYL) will often ask an independent physician to re-evaluate a claimant’s medical condition and determine if it is consistent with the …
Long COVID, also known as post-acute sequelae of SARS-CoV-2 infection (PASC), refers to a range of symptoms that persist or develop long after the acute COVID-19 illness. Estimates suggest that between 5% and 30% of COVID-19 survivors develop long COVID, representing tens of millions of people worldwide. Now, clear patterns are emerging …
When appealing a long-term disability (LTD) claim denial with Lincoln Financial Group, claimants often encounter an independent physician review. Lincoln, like many other insurance companies, uses these independent reviews to re-evaluate a claimant’s medical condition and determine if it is consistent with the reported functional limitations. Here, …
Working at Google offers many rewards, but it also comes with high expectations and unique challenges. Google employees are expected to be innovative, adaptable, and consistently deliver top results in a fast-paced environment. Whether you’re a software engineer, a project manager, or part of Google’s extensive support teams, these …
When a disability insurance company ignores your long-term disability (LTD) appeal, it can be both frustrating and legally problematic. The appeals process is designed to give claimants a fair chance to challenge a denial, and insurance companies are legally obligated to respond to these appeals in a timely manner under most LTD policies and …
If you have a disability insurance plan through your church or a religiously affiliated organization, you may be wondering if it’s covered by the Employee Retirement Income Security Act (ERISA). Understanding whether ERISA applies to your plan is important because it can affect how claims are handled, your rights under the plan, and your legal …
When facing the challenges of a disability claim, choosing the right legal representation can make all the difference. While larger firms have extensive staff and resources, the Ortiz Law Firm offers a personalized approach that sets us apart in the industry. 1. Personalized Attention Think about the difference between shopping at a small, …
Filing a long-term disability (LTD) insurance lawsuit anonymously is generally not an option. In most cases, the legal system requires transparency, which means your name must be included in the lawsuit. This is because court proceedings are a matter of public record, and the parties involved in litigation—plaintiffs, defendants, and the legal …
Navigating a Social Security disability or long-term disability insurance claim can be a complex and lengthy process, and one of the most critical aspects of your case is the medical evidence that supports your claim. The relationship you have with your doctor and how you communicate about your condition can make or break your chances …
Ongoing treatment is a critical factor in mental health disability claims, often serving as a foundational element in both the approval and continuation of benefits. Insurance companies and Social Security evaluate not only the severity of the mental health condition, but also the consistency and effectiveness of the treatment plan. Here’s why …