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

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OLF Ortiz Law Firm National Disability Attorneys

We appeal wrongful long term disability insurance and Social Security Disability denials.

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Additional Parts Of A Claim That Do Not Happen in Every Case

Long Term Disability for School Board Employees: Fight a Non-ERISA Denial

August 6, 2021 //  by Ortiz Law Firm

If you are a school board employee, you are likely covered by your county’s short term disability (STD) and long term disability (LTD) insurance plan. Disability insurance coverage is available to most individuals employed by public schools, such as teachers and janitorial staff, although there are certain requirements (such as working a certain number of …

Long Term Disability for School Board Employees: Fight a Non-ERISA DenialRead More

Category: Long Term Disability, Additional Parts Of A Claim That Do Not Happen in Every Case

8 Tips for a Long Term Disability Independent Medical Evaluation (IME)

April 30, 2021 //  by Ortiz Law Firm

A part of the long-term disability insurance claims process is to submit to an Independent Medical Evaluation (IME). Although you have been diagnosed with a disability by your doctor(s), the insurance company will want to obtain an “independent” evaluation of their own. But the doctors that are performing this “independent” evaluation are paid by the …

8 Tips for a Long Term Disability Independent Medical Evaluation (IME)Read More

Category: Additional Parts Of A Claim That Do Not Happen in Every Case, Long Term Disability

Field Interviews: How To Prepare & What To Do

April 9, 2021 //  by Ortiz Law Firm

During a long term disability case, it is common for the insurance investigator to request a “field interview”. First, they will call you and ask you casual questions about your health and your daily life. Do not be fooled! They are not calling to check on you because they care. They are looking for inconsistencies in your …

Field Interviews: How To Prepare & What To DoRead More

Category: Additional Parts Of A Claim That Do Not Happen in Every Case, Long Term Disability

An Independent Medical Examination (IME) by an Independent Medical Physician

January 5, 2021 //  by Ortiz Law Firm

What is an Independent Medical Examination? First of all, we don’t like the use of the term “independent” when referring to a medical examination ordered and scheduled by a long term disability insurance company.  An independent medical evaluation (IME) is an exam conducted by medical professionals that are not associated with your case currently. The …

An Independent Medical Examination (IME) by an Independent Medical PhysicianRead More

Category: Long Term Disability, Additional Parts Of A Claim That Do Not Happen in Every Case

What is Doctor Shopping and How Can You Protect Yourself?

July 15, 2020 //  by Ortiz Law Firm

Doctor shopping is the practice of seeking out multiple doctors – often to either: (1) obtain a specific diagnosis or medication or (2) find one that agrees with you on your disability or illness. Doctor shopping is not just a practice that some patients participate in, but also the long term disability insurance companies. In …

What is Doctor Shopping and How Can You Protect Yourself?Read More

Category: Additional Parts Of A Claim That Do Not Happen in Every Case, Long Term Disability

US Circuit Courts of Appeals

July 14, 2020 //  by Ortiz Law Firm

Some long-term disability claims go to the US Circuit Courts of Appeals. The United States Courts of Appeals (or circuit courts) are the intermediate appellate courts of the United States federal court system. That means they are the level between federal district courts and the Supreme Court of the United States. A court of appeals …

US Circuit Courts of AppealsRead More

Category: Additional Parts Of A Claim That Do Not Happen in Every Case, Long Term Disability

Types Of Surveillance in Long Term Disability Claims and How To Protect Yourself

July 14, 2020 //  by Ortiz Law Firm

We will look at the four types of surveillance and how to protect yourself. Type #1 Background Checks The hired investigator will dig into your background and put together a report for the insurance company. They will include things like: Where you live Who lives with you How many cars, boats, or homes you have …

Types Of Surveillance in Long Term Disability Claims and How To Protect YourselfRead More

Category: Additional Parts Of A Claim That Do Not Happen in Every Case, Long Term Disability

Social Media Accounts Are Being Used To Deny LTD Claims

July 14, 2020 //  by Ortiz Law Firm

Social media has become the way that 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 …

Social Media Accounts Are Being Used To Deny LTD ClaimsRead More

Category: Additional Parts Of A Claim That Do Not Happen in Every Case, Long Term Disability

Long Term Disability Buyout Offers v. Settlement Offers

July 14, 2020 //  by Ortiz Law Firm

For the purposes of this article, we’re going to separate out long-term disability buyout offers and long-term disability settlement offers. Buyout offers are made by the insurance company while you are receiving long-term disability benefits. Settlement offers occur when you’ve been completely denied benefits and you’re trying to negotiate a settlement with the insurance company either right …

Long Term Disability Buyout Offers v. Settlement OffersRead More

Category: Additional Parts Of A Claim That Do Not Happen in Every Case, Long Term Disability

Long-Term Disability for Multiple Disabilities

July 14, 2020 //  by Ortiz Law Firm

Are you suffering from multiple disabilities? You may think that if you are suffering from a set of combined aliments that your long-term disability claim should get approved even faster than if you only suffered from one ailment. But in fact, the opposite is true. When claimants for long-term disability for multiple disabilities, the insurance …

Long-Term Disability for Multiple DisabilitiesRead More

Category: Additional Parts Of A Claim That Do Not Happen in Every Case, Long Term Disability

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ORTIZ LAW FIRM
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