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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 your long-term disability (LTD) claim has been denied, you may be facing another problem you didn’t expect: your life insurance waiver of premium claim may be denied too. These two benefits are often closely connected. When an insurance company decides you are not disabled under your LTD policy, it will often use that same …
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’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 …
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 navigating the complexities of severance packages and long-term disability insurance benefit claims, individuals often face many challenging decisions and uncertainties. Particularly – what happens when you’re presented with a severance offer while simultaneously pursuing a long-term disability insurance claim? If you sign the …
Living abroad can be an exciting adventure, but it can also be a bit nerve-wracking if you’re relying on long-term disability insurance benefits to provide you with income. Fortunately, if you have an individual or group long-term disability insurance policy, you may still be able to collect benefits while living outside of the United States. …
Long-term disability insurance companies are well-known for hiring third-party investigators to put claimants under surveillance. They spend millions of dollars on surveillance to save billions in long-term disability claims. They want to “catch” you doing something you “shouldn’t,” like taking out the trash or enjoying your grandchild’s …
Social media has become how we share our lives with the world. Long gone are the days of printing and mailing pictures to family and friends. Now, with the click of a button, you can share photos or even live stream videos on social media, which creates a way for families to stay connected even …
In the context of this article, it’s important to distinguish between long-term disability buyout and settlement offers. A buyout offer is extended by the insurance company while you are actively receiving long-term disability benefits. A settlement offer, on the other hand, arises when you have been fully denied these benefits and …
Many claimants ask why the insurance company uses a vocational consultant when reviewing a claim. Isn’t the main issue whether you have a medical disability and you’re medically disabled under the policy? This is a very legitimate question. In this article, we discuss why a vocational assessment from a vocational consultant is a …