In a perfect world, anyone who suffers from a physical or emotional disability would have the resources to seek treatment and provide for themselves without supplemental income. But since we live in the real world, many people struggle to make ends meet during a period of disability. Long term disability insurance is supposed to provide …
Your Chances of Getting Approved for Disability Benefits
Your Chances of Being Approved for Disability Benefits
This is an impossible question to answer with certainty because of the number of factors that go into the decision, but the following is based on our firm’s own experience: Administrative Appeals Recently I attended a disability conference with a lot of disability attorneys. One of the featured speakers handled a lot of long term …
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Why It’s Important To Tell Your Story To The Long Term Disability Insurance Company
What Do We Mean by Your Story? When you’re going through the long-term disability application process the insurance company will typically send you an application that has a few pages of questions for you. One of the questions is, “What is it about your condition(s) that keeps you from being able to work?” There might …
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Why Is It So Hard To Win an LTD Claim?
The Court’s Review Process When you go to court, the court applies, most typically, a six-step review process in evaluating long term disability claims. For example, here in the 11th Circuit, there is a six-step process, the most important of which are the first three. When you look through the first three steps, you’re going to …
Why is a “Day in The Life of” Video Important?
What Is a Day in the Life of Video? Do I Really Need to Submit a Video? A “Day in the Life of Video” is critical for several reasons: First, we’re gonna talk about its role in the appeal process. This type of video is useful because it humanizes you. It allows the adjuster who’s …
Which Long Term Disability Cases Win?
Here at the Ortiz Law Firm, we assist long term disability claimants by compiling and effectively presenting objective evidence to support the LTD claim. Nick Ortiz is an experienced disability law attorney who has handled disability claims for over a decade. He understands how to find and utilize medical and other documentary evidence that will …
What Are My Chances of Winning a Long Term Disability Appeal?
This is an impossible question to answer with certainty because of the number of factors that go into the decision. These factors include, but are not limited to: your age, your education, your work history, your type of disabilities, and the medical evidence submitted in support of the claim. That being said, your chances of winning a long …
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Insurance Company Tricks And Tactics: What You Need To Know
Here are some tactics long term disability companies use to trick you or otherwise avoid paying out benefits: Prolonging Your Claim Process Requesting additional and/or irrelevant documents. One of the ways the insurance company will try to delay paying your benefits is to request duplicate copies of documents. These are documents that you either already …
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Do Insurance Companies Deny Everyone the First Time They Apply?
Insurance companies approve many claims at the initial application stage. However, many claims are prematurely terminated or cut off. Even if your Long Term Disability (LTD) claim is initially approved, your insurance company can terminate your monthly benefit payments for a number of different reasons. It is important to be familiar with the most common …
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