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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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(888) 321-8131

  • ABOUT US
    • Areas We Serve
    • Testimonials
    • Our Team
      • Nick Ortiz
    • Our Office
    • Core Values
    • Referring Attorney Program
  • PRACTICE AREAS
    • Long Term Disability Claims
      • Administrative Appeals
      • Lawsuits
      • Lump-Sum Buyout Offers
    • Social Security Disability Claims
      • Initial Applications
      • Request for Reconsideration
      • Hearing Before an Administrative Law Judge
    • Personal Injury Claims
  • DISABLING CONDITIONS
    • Long Term Disability
    • Social Security Disability
  • INSURANCE CARRIERS
    • Cigna
    • Guardian
    • Hartford
    • Lincoln Financial
    • Matrix Absence Management
    • MetLife
    • Mutual of Omaha
    • Northwestern Mutual
    • New York Life
    • Principal
    • Prudential
    • Reliance Standard
    • Standard
    • Unum
  • RESOURCES
    • Blog
    • Free Downloads
    • Lump Sum Disability Buyout Calculator
    • FAQ: Long Term Disability
    • FAQ: Social Security Disability
    • Abbreviations in Social Security Disability Claims
  • Search
  • CONTACT
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Long Term Disability Denials and Appeals

How to Appeal a Long Term Disability Denial: Advice for Your Appeal

June 24, 2021 //  by OLF

Advice on How to Appeal a Long Term Disability Denial You should not give up if your claim for long-term disability (LTD) benefits is denied.  It is not unusual for an insurance company to deny disability claims, and most long-term disability insurance policies require one or two internal administrative appeals. It may seem unlikely that the same insurance company …

How to Appeal a Long Term Disability Denial: Advice for Your AppealRead More

Category: Long Term Disability, Long Term Disability Denials and Appeals

How to Write a Long Term Disability Appeal Letter & Why Most Appeals Suck

June 24, 2021 //  by OLF

When a long term disability claim is wrongfully denied or terminated most claimants are required to file at least one appeal. In this article, we will discuss our process to prepare for the appeal, how to write a long-term disability appeal letter, and why most appeals SUCK! How to Write a Long Term Disability Appeal …

How to Write a Long Term Disability Appeal Letter & Why Most Appeals SuckRead More

Category: Long Term Disability, Long Term Disability Denials and Appeals

Disability Insurance Appeal Guide

May 13, 2021 //  by OLF

Table of Contents Chapter 1: Is Your Disability Policy an ERISA Policy?Chapter 2: Appealing the Denial of Disability Insurance Benefits – ERISA PoliciesChapter 3: Non-ERISA PoliciesChapter 4: Exertion LevelsChapter 5: Understanding Your PolicyAbout the Author Introduction: Who Is This Guide For? Individuals who, due to illness or injury, can no longer continue to engage in …

Disability Insurance Appeal GuideRead More

Category: Long Term Disability, Long Term Disability Denials and Appeals

Long Term Disability After 2 Years: Why Was My Claim Closed?

December 28, 2020 //  by OLF

There is a reason that so many claimants are worried about their long term disability after 2 years of receiving benefits – the majority of long term disability insurance policies have some sort of provision which allows the insurance company to terminate certain claims for long term disability after 2 years. Why Are Long Term …

Long Term Disability After 2 Years: Why Was My Claim Closed?Read More

Category: Long Term Disability, Long Term Disability Denials and Appeals

When You Have One Mandatory and One Optional Appeal After a Denial or Termination of Benefits

July 23, 2020 //  by Dawn Keller

The long term disability appeal process begins after an LTD claim has been wrongfully denied or terminated. LTD claims are most often cut-off after 24 months when the definition of “total disability” under the policy changes from “own occupation” to “any occupation.” If you have been denied benefits, you should review your insurance policy to determine …

When You Have One Mandatory and One Optional Appeal After a Denial or Termination of BenefitsRead More

Category: Long Term Disability, Long Term Disability Denials and Appeals

When Only One Appeal is Available After a Denial

July 23, 2020 //  by Dawn Keller

The long-term disability appeal process begins after an LTD claim has been wrongfully denied or terminated. LTD claims are most often cut-off after 24 months when the definition of “total disability” under the policy changes from “own occupation” to “any occupation.” In other instances, LTD claims have been terminated after the insurance company conducts video …

When Only One Appeal is Available After a DenialRead More

Category: Long Term Disability, Long Term Disability Denials and Appeals

When You Have Two Mandatory Appeals After An LTD Denial

July 23, 2020 //  by Dawn Keller

The long term disability appeal process begins after an LTD claim has been wrongfully denied or terminated. LTD claims are most often cut-off after 24 months when the definition of “total disability” under the policy changes from “own occupation” to “any occupation.” If you have been denied benefits, you should review your insurance policy to determine …

When You Have Two Mandatory Appeals After An LTD DenialRead More

Category: Long Term Disability, Long Term Disability Denials and Appeals

How Many Appeals Can I File?

July 15, 2020 //  by Dawn Keller

You should not give up if the insurance company denies or terminates your claim for long term disability (LTD) benefits.  Most employees have disability insurance coverage through a group plan with a private-sector employer. If your employer is large enough, or if you obtained your policy through an employee organization or union, then ERISA rules …

How Many Appeals Can I File?Read More

Category: Long Term Disability, Long Term Disability Denials and Appeals

What To Do If Your Long Term Disability Claim Is Denied

July 14, 2020 //  by OLF

Any number of medical problems could keep you from being able to continue with full-time employment. You may have a major physical impairment like a chronic back pain disorder, a major mental impairment like depression, or a combination of both physical and mental conditions. Dealing with debilitating and disabling medical conditions can be exhausting and …

What To Do If Your Long Term Disability Claim Is DeniedRead More

Category: Long Term Disability, Long Term Disability Denials and Appeals

What is a Technical Denial of a Disability Claim?

July 14, 2020 //  by OLF

A technical denial of a disability claim occurs when you are denied based on a non-medical reason. The most common reasons for a technical denial of a long-term disability claim follow below. Primary Reasons for a Technical Denial Pre-Existing Condition A long-term disability claim can be denied on the basis of a pre-existing condition. You will …

What is a Technical Denial of a Disability Claim?Read More

Category: Long Term Disability, Long Term Disability Denials and Appeals

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ORTIZ LAW FIRM
(888) 321-8131

316 S Baylen St
Ste 590
Pensacola, FL 32502
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Our Team

  • Nick Ortiz
  • Jessica Ortiz
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  • Tory Nelson

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