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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

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.

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Call us today for help!

(888) 321-8131
  • ABOUT US
    • Nick Ortiz
    • Our Team
    • Case Results
    • Testimonials
  • PRACTICE AREAS
    • Long Term Disability
      • Long Term Disability Appeals
      • Long Term Disability Lawsuits
      • Lump Sum Buyouts/Settlements
    • ERISA Disability Claims
    • Individual Disability Insurance
    • Social Security Disability Claims
      • Initial Applications for Social Security Disability
      • Request for Reconsideration
      • Hearing Before an Administrative Law Judge
    • Long Term Care Insurance Claims
    • Personal Injury Claims
  • DISABLING CONDITIONS
    • Long Term Disability
    • Social Security Disability
  • INSURANCE CARRIERS
    • View All
    • Insurance Company Tricks And Tactics
  • RESOURCES
    • Blog
    • eBooks, Guides, and More
    • Lump Sum Disability Buyout Calculator
    • Long Term Disability FAQs
    • Social Security Disability FAQs
    • Long Term Disability Glossary
    • Individual Disability Insurance Policy Analysis
    • Long Term Disability Federal Court Case Summaries
    • Abbreviations in Social Security Disability Claims
  • Search
  • CONTACT

Long Term Disability Denials and Appeals

How to Win a Long Term Disability Appeal: Do’s and Don’ts

September 27, 2023 //  by Ortiz Law Firm

If you’ve had a long term disability (LTD) claim denied, it’s natural to feel frustrated and overwhelmed. However, a claim denial isn’t the end of the road. You have the option to appeal, and many claimants successfully reverse denials through the appeals process. Appealing the denial of a long term disability claim for benefits under …

How to Win a Long Term Disability Appeal: Do’s and Don’tsRead More

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

3 Steps You Must Take Right Now If Your LTD Benefits Are Terminated!

September 25, 2023 //  by Ortiz Law Firm

Today, we will talk about the three steps you should take if you’ve been receiving long term disability benefits that have been terminated by the insurance company. The first thing you need to do is request your claim file from the insurance company. Make sure the request is broad and asks for absolutely everything in …

3 Steps You Must Take Right Now If Your LTD Benefits Are Terminated!Read More

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

The Standard of Review in ERISA Long Term Disability Lawsuits

September 8, 2023 //  by Ortiz Law Firm

How will a federal judge make a decision about an ERISA lawsuit? There are two standards of review in ERISA cases: (1) the de novo review standard and (2) the arbitrary and capricious standard (also called the “abuse of discretion” standard). The judge will determine which standard applies to your disability based on the language …

The Standard of Review in ERISA Long Term Disability LawsuitsRead More

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

What To Do After The Final Long Term Disability Denial

July 28, 2023 //  by Ortiz Law Firm

Today I want to talk to you about what to do after you receive your final denial letter from a long-term disability insurance company. When I say final, what that means is when you file for long-term disability benefits, if you’re denied, you usually have a right to at least one, if not two, appeals. …

What To Do After The Final Long Term Disability DenialRead More

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

How ERISA Attorneys Help with Long Term Disability Claims

June 23, 2023 //  by Ortiz Law Firm

Long term disability (LTD) insurance is a crucial safety net for many employees. These benefits provide financial security in the event of a disabling illness or injury. While many employers offer LTD coverage as part of their benefits package, the claims process can often be complicated and frustrating. The Employee Retirement Income Security Act (ERISA) …

How ERISA Attorneys Help with Long Term Disability ClaimsRead More

Category: Long Term Disability, Long Term Disability Denials and Appeals, Working with a Long Term Disability Attorney

Did Your Disability Insurance Company Apply the Proper Policy Language?

June 12, 2023 //  by Ortiz Law Firm

Insurance companies often use “boilerplate” language when denying a long term disability claim. A boilerplate insurance denial refers to a denial of an insurance claim that is based on standard, pre-written language or a generic explanation, rather than a detailed explanation specific to the individual’s claim. This language is often used by insurance companies in …

Did Your Disability Insurance Company Apply the Proper Policy Language?Read More

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

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 …

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

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

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

June 24, 2021 //  by Ortiz Law Firm

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 you have the right to appeal the decision. Sometimes, claimants are “put on claim” and receive benefits after the appeal process—but not often. The internal appeal process …

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

June 24, 2021 //  by Ortiz Law Firm

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 why most appeals suck, our process to prepare for the appeal, and how to write a long-term disability appeal letter if you decide to move forward without an …

How to Write a Long Term Disability Appeal LetterRead More

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

Why Are Long Term Disability Claims Terminated After Two Years?

December 28, 2020 //  by Ortiz Law Firm

There is a reason why many people receiving long-term disability benefits become concerned about their coverage after two years: most long-term disability insurance policies have a number of limitations that allow the insurance company to terminate certain claims after benefits have been payable for twenty-four months or two years.  Changes in the Definition of …

Why Are Long Term Disability Claims Terminated After Two Years?Read More

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

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"I highly recommend Ortiz Law Firm. Very friendly staff. They helped me win my appeal against Liberty Mutual. Thank you all for being the best!!"

Lavanda T.

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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

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