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.

Non-Medical Eligibility for Long Term Disability Claims

What Is the Elimination Period in a Long Term Disability Claim?

If you’re looking into long-term disability or individual disability insurance, you may have come across the term “elimination period.” This is an important concept to understand as it can affect when you will receive benefits if you become disabled. In this article, we will explain what the elimination period in a long term disability claim …

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

Question: “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 …

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“Own Occupation” vs “Any Occupation” Disability Insurance

Long term disability (LTD) insurance should provide financial assistance if an injury or illness substantially limits your ability to work. If you are self-employed, you can purchase an LTD policy from a broker or agent. However, most employees are covered under group policies provided by their employers. The Definition of Disability One of the most …

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Filing an LTD Claim: What to Know

If your long term disability policy is part of a group plan, you should contact your human resources manager to obtain a copy of your summary plan description and a disability claim application. If you purchased an individual disability insurance policy, you should contact your broker or insurance agent for an application. Under either scenario, …

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

The first step in determining your eligibility for benefits is to is thoroughly read your long term disability (LTD) policy. You can obtain a copy of your LTD plan from your employer’s human resources department or from the insurance company. There may be instances where HR or the insurer might delay furnishing you with the …

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Non-Medical Requirements for Long Term Disability Claims

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 are unable to work. Unfortunately, there is a lot of paperwork and red tape …

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Is Age a Factor in Long Term Disability Claims?

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 …

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How Occupation or Education Level Affect Long Term Disability Claims

In some cases, the type of job you perform or the amount of education you have can affect whether you get LTD benefits. In this article we explain how your occupation and education level affect your long term disability claim. Occupation The differences between own occupation and any occupation can be technical and confusing. The insurance …

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