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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.
A project manager’s long-term disability (LTD) benefits were capped at 24 months after Unum classified his cognitive impairment as falling under the policy’s mental illness limitation. The court sided with Unum, finding that the evidence — including opinions from Gill’s own treating physicians — did not establish that his cognitive deficits were independent of his …
When dealing with a long-term disability denial, understanding if your claim falls under the Employee Retirement Income Security Act (ERISA) can significantly impact the process and outcome of your claim. ERISA, a federal law that sets standards for most employer-sponsored retirement and health plans, also governs certain long-term disability insurance policies. If your disability claim …
Navigating the complexities of a long-term disability denial can be overwhelming. After facing a denial, understanding how to request your claim file and policy is crucial. Reviewing your claim file is essential to gain insight into the reasons behind the denial and to explore potential avenues for appeal. This guide will walk you through the …
Here is a list of your legal rights concerning your claim for long-term disability insurance benefits. This is not a complete list but is intended to highlight some of your most important rights. Seven Legal Rights Concerning Your Claim for Long-Term Disability 1. You Have the Right to Buy an Individual Policy Directly from an …
Navigating a disability claim can be a daunting journey, especially for those grappling with disabilities that are hard to prove. Conditions involving chronic pain and fatigue may pose significant challenges when it comes to providing tangible proof, as their symptoms are often subjective and fluctuate in nature. These disabilities can be met with skepticism and …
Have you ever wondered if you can take a vacation while on disability benefits? It’s a common question among claimants receiving Social Security disability or long-term disability benefits. Enjoying some time away may seem appealing, but it can also raise concerns about how it may affect your benefits. This blog post will delve into taking …
Long-term disability claim forms can be daunting and overwhelming, but completing them efficiently is achievable with a clear understanding and the right approach. Whether navigating the process for yourself or assisting someone else with the paperwork, knowing how to complete a long-term disability claim form is crucial. By breaking down the form into manageable sections …
Yes — it can, and in more than one way. Long-term disability (LTD) benefits replace a portion of your income when illness or injury prevents you from working, and a severance agreement can interfere with those benefits in ways that aren’t obvious until it’s too late. Depending on the language involved, signing could reduce your …
Most disability insurance policies require claimants to complete an Activities of Daily Living (ADL) form when applying for long-term disability benefits. ADL forms offer a tangible way to demonstrate the extent of limitations caused by a disability. When completed correctly, they clearly show how a condition impacts a person’s day-to-day life and functionality. By accurately …
Are you navigating the complexities of ERISA long-term disability claims and seeking to ensure a full and fair review of your case? This article will delve into your right to a full and fair review under ERISA regulations to equip you with essential knowledge for a successful claim. What Is a Full and Fair Review …
Long-term disability insurance offers financial protection if you cannot work due to an illness or injury. However, many employees encounter issues when claiming these benefits from their employer-provided policies. Understanding the potential challenges can help you prepare and navigate the process effectively. Issues with Employer-Provided Policies Policy Exclusions and Limitations Many employer-provided long-term disability policies …
Clear and strategic communication with insurance claims adjusters is essential for claimants seeking long-term disability benefits. Every interaction with the adjuster holds significant weight in the claims process, and effective communication is crucial to ensure you receive the benefits you deserve. However, many claimants face challenges in clearly and strategically communicating their situation and understanding …
When applying for disability benefits, the support of your doctor is crucial. Their medical expertise and documentation are fundamental in proving the extent of your disability to the authorities. Without their cooperation and detailed input, getting your disability claim approved can become significantly more challenging. Understanding your doctor’s pivotal role in this process is essential …
Navigating the world of long-term and short-term disability insurance claims can be complex, especially when third-party administrators come into play. In this blog post, we will delve into the role of third-party administrators in disability insurance claims and the impact they can have on claimants. What Is a Third-Party Administrator in the Context of Disability …
Long-term disability (LTD) insurance is crucial for self-employed individuals, yet the claims process can be complex. Self-employed individuals face unique challenges when filing for long-term disability benefits, encountering hurdles that traditional employees may not experience. From proving loss of income to demonstrating the severity of their condition, self-employed individuals must navigate a distinct set of …
Long-term disability claims for neuromuscular disorders can be complex and overwhelming. Navigating the process requires a clear understanding of the intricacies involved. From the initial application to potential appeals, each step demands attention to detail. This blog post will provide valuable insights to help you understand and navigate long-term disability claims for neuromuscular disorders. Understanding …
Long-term disability claims often involve soft tissue disorders, such as back pain, fibromyalgia, and chronic fatigue syndrome. In this blog post, we discuss long-term disability (LTD) claims for soft tissue disorders and the specific challenges and policy limitations associated with these claims. With this knowledge, claimants can navigate long-term disability claims for soft tissue disorders …
Are you researching how to transition from short to long-term disability? Short-term disability (STD) benefits provide crucial support for individuals during the initial stages of their disability. However, short-term disability coverage usually only pays benefits for a few weeks to several months. If your disability lasts long enough to exhaust your STD coverage, you will …
Navy Federal Credit Union (“NFCU” or Navy Federal) is the largest credit union in the world and the largest private employer in Pensacola and Escambia County, Florida, with nearly 10,000 employees at the Pensacola campus. Navy Federal has excellent employee benefits, including short-term disability (STD) and long-term disability (LTD) insurance benefits. These claims are typically administered …
Long-term disability coverage is important, especially for those in the oil, gas, or energy sectors. Workers often face dangerous conditions and physical demands in these industries that can lead to disability. These injuries range from minor sprains and strains to severe accidents and exposure to toxic substances, resulting in permanent disability. A long-term disability plan …
Disability insurance claims for Amazon employees can be a crucial aspect of ensuring financial stability in times of unexpected hardship. Amazon employees often rely on disability insurance to provide a safety net when they cannot work due to illness or injury. For eligible employees—typically those working more than 30 hours per week—both short-term and long-term …
Most US workers are impacted by workplace stress. A 2023 article by Zippia Research reported that 83% of US workers suffer from work-related stress. That same article also revealed that 25% of workers say their job is the number one stressor in their lives. Constant stress is a characteristic of a toxic work environment, which …
If you receive long-term disability (LTD) benefits and have been approved for SSDI, you likely have questions. You may wonder if your insurance company can sue to recover the overpayment. The answer is: it depends. How Do Long-Term Disability Overpayments Happen? Long-term disabilityinsurance is designed to replace a portion of your income if a serious illness …
It is not uncommon for a disability insurance company to order a peer review during the long-term disability (LTD) appeal process. If your insurer has requested a peer review report, you may have received a letter that states something like: “We are writing to update you of the status of your appeal request for the …