Top Ten Mistakes That Will Destroy Your Long Term Disability Claim

Avoid the most common legal pitfalls for long term disability insurance claimants. You NEED this free eBook.

The insurance company is not looking for a reason to pay your disability claim. Instead, the insurance company is searching for evidence that it can use to deny your claim. Read this book before you sign any forms, speak with any adjusters, or hire an attorney to assist you in your claim.

What's Inside

Tips and Tactics

This book discloses the tactics Long Term Disability insurance companies use to deny or terminate legitimate LTD claims and gives tips on how you can avoid making mistakes in your claim.

Maximize Your Chances

No one can guarantee an approval of your long term disability insurance claim, but our goal is to help you absolutely maximize the chances that your claim will be approved. Knowledge is power.

Understand The Process

Even the playing field. Gain insight into: when and how to speak with the insurance adjuster handling your claim, what to say, and what evidence you should submit with your claim.

Take A Glimpse Inside The Book: Some Important Tips You'll Learn

Ch. 1

Don't Give Up!

The long term disability insurance company makes the application process extremely difficult because it wants you to give up. This explains why you shouldn’t give up.

ch. 2

Review Your Full LTD Insurance Policy

Explanation of how important it is to obtain your full long term disability insurance policy and original application for disability insurance coverage before filing a claim for benefits.

ch. 3

The Pre-Existing Condition Exclusion

Detailed description of the “Pre-existing Condition” exclusion and how this clause in the insurance policy may give the insurance company a reason not to pay you benefits.

Ch. 4

Answering Questions on the Phone

You must cooperate with the insurance company’s investigation into your claim, but you should consider how you answer questions – in writing as opposed to on the phone.

ch. 5

Providing Adequate "Proof of Loss"

It is not the insurance company’s burden to prove you are not disabled; it is your “burden of proof” to supply adequate evidence that you are disabled under the LTD policy.

ch. 6

Video Surveillance!

The insurance company is likely to conduct video surveillance. This chapter describes when the carrier is most likely to send an investigator out to record you.

ch. 7

The Field Representative Visit

The insurance company will likely send a Field Representative to your home to interview you in person. This describes the visit and how you may respond to it.

CH. 8

The Functional Capacity Evaluation

Most insurance companies send claimants out for a Functional Capacity Examination, or FCE, to determine the claimant’s restrictions. This chapter describes the FCE process.

ch. 9

The Insurance Company's Phone Calls to Your Doctor

The adjuster assigned to your claim may have one of the insurance company’s physicians call one or more of your doctors. This describes what you should tell your doctors about these calls.

Our Testimonials

"Great book. It's short but it's because it gets to the point. I learned a lot from it so I highly recommend it."


Rated: 5 out of 5 Stars.


[Note: This is from someone who purchased the Kindle Version on Amazon!"]

- J.K.

Amazon Kindle Review

"This Thanksgiving I will be giving thanks to Nick Ortiz and Alicia. Mr. Ortiz is hands down the best attorney in his field. Before becoming completely disabled, I worked for an attorney for over 20 years. One of my main skills was research, and I have always been a perfectionist. Thus, when I became disabled, I looked for the best disability attorney. Mr. Ortiz definitely fit the bill.

- Wendy

Ortiz Law Firm Client

"Good info if you're thinking of filing."


Rated: 5 out of 5 Stars.


[Note: This is from someone who purchased the Kindle Version on Amazon!"]

- Thomas

Amazon Kindle Review

Download Your FREE LTD Book!

2020 Copyright © Ortiz Law Firm