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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.

Short-Term Disability

Denied Short-Term Disability Benefits Right Before the End? Here’s What You Should Know

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Imagine making it nearly to the end of your short-term disability (STD) benefit period—only to have your benefits denied with just a couple weeks to go. It’s a discouraging situation that many claimants face. Not only does the denial cut off a vital source of income, but it can also create doubts about pursuing long-term …

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Applying for Long-Term Disability Benefits After a Short-Term Disability Denial

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If your short-term disability (STD) claim was denied, you’re probably feeling discouraged—and maybe wondering whether it even makes sense to try for long-term disability (LTD) benefits. The truth is: you often can still pursue LTD, and in many cases you should. Denying an STD claim does not automatically bar a valid LTD claim. Why Short-Term …

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Do I Automatically Get Long-Term Disability If I’m Approved For Short-Term Disability?

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Being approved for short-term disability (STD) does not automatically mean you’ll be approved for long-term disability (LTD). While the two benefits are often linked, especially if they’re offered by the same insurance company, there are important differences in how they’re evaluated. Here’s what you need to know: 1. Separate Applications and …

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Do Short-Term Disability Insurance Policies Have Pre-Existing Condition Exclusions?

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When shopping for or reviewing disability insurance, one important clause to understand is the “pre-existing condition exclusion.” This clause can significantly impact your ability to collect benefits if your disability is related to a medical condition you had before your coverage began. But here’s the key distinction: while …

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How to Transition from Short-Term to Long-Term Disability Benefits

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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 …

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