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Ortiz Law Firm | National Disability Law Firm
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.
According to the CDC, about 61 million adults in the United States have a disability. That means 1 in 4 adults have some disability, whether back problems, autoimmune disorders, heart diseases, vision impairment, or one of many other disabling medical conditions. Living with a disabling condition is tough enough on its own, but one of …
Your functional limitations are the most critical evidence for your long-term disability claim. Your insurance company is interested in how your disability affects your ability to work. The insurance claim examiner (and a judge if your claim goes to court) will look for you to provide detailed doctor’s notes on activity limitations. This …
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 for claimants; insurance carriers have also been known to doctor shop. Understanding Doctor Shopping When we …
When applying for long-term disability (LTD) benefits, your credibility can be the linchpin of your case. Insurers scrutinize every detail, from medical records to personal statements, to ensure that claims are legitimate. Establishing and maintaining your credibility throughout the application process is crucial for securing the benefits you …
What – or who – is a treating physician? A treating physician is a medical doctor who provides medical treatment for you and has or has had an ongoing relationship with you. There must be a history of treatment between the medical provider and the patient for the medical provider to be considered a treating …
If you avoid following your doctor’s treatment plan as prescribed (like refusing to have surgery), the insurance company may claim that you are refusing to do what you need to do to get better so you can work and will deny your long-term disability claim for that. However, you should not be denied for failure to comply …
Having your long-term disability insurance claim approved is a significant first step towards receiving benefits. The next stage is waiting to receive payment. In a disability insurance policy, this is called the elimination period. What Is the Elimination Period? The elimination period is the period of time that you must wait to receive your first …
When applying for benefits, you must provide evidence to prove that you qualify medically for long-term disability (LTD) benefits. You must provide your insurance company with medical records from only the doctors treating you for your disability. Providing medical records that are not related to your disability is irrelevant and could hurt your …
If you have a long-term disability policy, either provided by your employer or through a policy you’ve acquired independently, you may qualify to receive disability benefits if you cannot work. The first step in determining your eligibility for benefits is to read your long-term disability (LTD) policy thoroughly. You can obtain a …
If your long-term disability (LTD) insurance claim was denied due to a “pre-existing condition,” know that you’re not alone. Many claimants are in the same situation, often without a clear understanding of what the term means or how it applies to their case. This article will explain the concept of pre-existing condition exclusions in LTD …
Filing a long-term disability (LTD) claim involves more than just filling out forms. It requires comprehensive medical documentation that meets your insurance company’s standards. To qualify for benefits, you must provide clear, convincing evidence that your physical or mental condition prevents you from working. This guide breaks down the medical …