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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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Eligibility for Long Term Disability Claims

Top 10 Reasons Your Long-Term Disability Claim Will Be Denied or Terminated

August 9, 2021 //  by Ortiz Law Firm

When applying for long-term disability (LTD) insurance benefits, you need to be aware that many claims are denied. Even if your disability insurance claim is initially approved, you need to be aware that your insurance company can terminate – or cut off – your benefits. If the insurance company decides that you are no longer …

Top 10 Reasons Your Long-Term Disability Claim Will Be Denied or TerminatedRead More

Category: Long Term Disability, Eligibility for Long Term Disability Claims

What No One Tells You About Resigning Due to a Disability and Stopping Work

June 16, 2021 //  by Ortiz Law Firm

“My job is saying I must resign since I am filing for Long Term Disability and do not plan to return to work. Should I consider resigning due to a disability?” The simple answer is most likely “no.” In fact, if you resign, you will lose your long-term disability benefits altogether. Except for very few …

What No One Tells You About Resigning Due to a Disability and Stopping WorkRead More

Category: Eligibility for Long Term Disability Claims, Long Term Disability

Own Occupation vs Any Occupation: 2 Little-Known LTD Policy Terms

January 5, 2021 //  by Ortiz Law Firm

Long Term Disability insurance policies are designed to help you financially when you are injured or out of work due to illness. If you are self-employed, you will purchase your long-term disability insurance policy from a broker or an agent. However, the majority of the workforce is a part of a group policy provided through …

Own Occupation vs Any Occupation: 2 Little-Known LTD Policy TermsRead More

Category: Eligibility for Long Term Disability Claims, Long Term Disability

When Is a Person Considered Disabled by a Long Term Disability Insurance Company?

July 14, 2020 //  by Ortiz Law Firm

The first thing you need to do is read through your LTD policy. You can pick up a copy of your plan from your employer’s human resources department. Sometimes human resource departments will try to delay providing you with this documentation. If you request a copy verbally or in-person and you do not get a …

When Is a Person Considered Disabled by a Long Term Disability Insurance Company?Read More

Category: Eligibility for Long Term Disability Claims, Long Term Disability

What Are the Non-Medical Requirements for Long Term Disability?

July 14, 2020 //  by Ortiz Law Firm

What You Need to Prove to Receive Benefits from Your Long Term Disability Policy If you have a long term disability policy through your employer or you have an individual policy that you purchased on your own, you may be able to receive disability benefits to replace most or part of your salary if you …

What Are the Non-Medical Requirements for Long Term Disability?Read More

Category: Eligibility for Long Term Disability Claims, Long Term Disability

Sworn Statement with an Insurance Company Adjuster

July 14, 2020 //  by Ortiz Law Firm

As part of the long-term disability claims process, the insurance company adjuster may want to schedule a “sworn statement” (sometimes called a recorded statement) with you. The sworn statement with an insurance company adjuster may be arranged to take place on the phone or in-person via a “field visit”. Why does the insurance company want to …

Sworn Statement with an Insurance Company AdjusterRead More

Category: Eligibility for Long Term Disability Claims, Long Term Disability

Pre-Existing Conditions in Long Term Disability Insurance Claims

July 14, 2020 //  by Ortiz Law Firm

You’re probably here today because your long-term disability insurance company has denied your claim for long-term disability benefits, saying that they’re denying you due to a pre-existing condition. In this post, we’ll help you to understand what pre-existing means and how the term applies to long-term disability claims. Keep reading for three examples of how the pre-existing …

Pre-Existing Conditions in Long Term Disability Insurance ClaimsRead More

Category: Eligibility for Long Term Disability Claims, Long Term Disability

Medical Requirements for Long Term Disability

July 14, 2020 //  by Ortiz Law Firm

Proving Your Disability The longest and most tedious process is gathering your data to prove your disability. After you read through your policy, you should be able to determine if you may qualify for LTD based on your insurer’s definition of the term “disability”. You will need to provide the claim adjuster with proof of …

Medical Requirements for Long Term DisabilityRead More

Category: Eligibility for Long Term Disability Claims, Long Term Disability

Is Age a Factor in Long Term Disability Claims?

July 14, 2020 //  by Ortiz Law Firm

Age is a factor in most long-term disability claims as most long-term disability policies have an age limit. Most disability insurance policies end either at age 65 or at the claimant’s Social Security Normal Retirement Age – which currently ranges between 65 and 67 years old. There are some exceptions to this – like if …

Is Age a Factor in Long Term Disability Claims?Read More

Category: Eligibility for Long Term Disability Claims, Long Term Disability

Does Your Occupation or Education Level Affect Your Long Term Disability Claim?

July 14, 2020 //  by Ortiz Law Firm

Occupation In some cases, the type of job you perform or the amount of education you have can affect whether you get LTD benefits. The differences between own occupation and any occupation can be technical and confusing. The insurance company will do whatever it can to muddy the waters and make claims harder to file to …

Does Your Occupation or Education Level Affect Your Long Term Disability Claim?Read More

Category: Eligibility for Long Term Disability Claims, Long Term Disability

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ORTIZ LAW FIRM
(888) 321-8131

316 S Baylen St
Ste 590
Pensacola, FL 32502
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