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.
// by Ortiz Law Firm
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. …
Can I Get Disability Insurance While Living Abroad?Read More
// by Ortiz Law Firm
You can still have a life that involves traveling when you have a long term disability. The disability insurance companies may not like it, but being on long term disability doesn’t mean you are on house arrest. Traveling can be a little more complicated when you are receiving disability payments, but it is do-able with a …
The Do’s and Don’ts of Traveling on Long Term DisabilityRead More
// 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 to Prepare for an Independent Medical Evaluation (IME)Read More
// 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 …
// 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 …
Independent Medical Exams (IME) In Long Term Disability ClaimsRead More
// 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
// 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 …
// 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 ClaimsRead More
// by Ortiz Law Firm
In this article, we will explore: How insurance companies use your social media accounts to deny you; and Ways to protect yourself from investigators. How Your Social Media Accounts Can Lead To Denial When you have a significant disability, it can be depressing. You may have many bad days that you don’t even want to …
Social Media Accounts Are Being Used To Deny LTD ClaimsRead More
// by Ortiz Law Firm
In the context of this article, it’s important to distinguish between long-term disability buyout offers and settlement offers. A buyout offer is extended by the insurance company while you are actively receiving long-term disability benefits. On the other hand, a settlement offer arises when you have been fully denied these benefits and are in the …
Long Term Disability Buyout Offers v. Settlement OffersRead More
Our experienced disability law firm is ready to fight for you. Contact us today for a free case evaluation.
(888) 321-8131
316 S Baylen St., Ste 590
Pensacola, FL 32502