Are you struggling to get the long-term disability (LTD) benefits you deserve? A disability attorney can help. Nick Ortiz is a national ERISA Long-Term Disability Attorney based in Pensacola, Florida.
Having handled long-term disability claims for over ten years, Nick Ortiz and the experienced legal team at the Ortiz Law Firm understand the complexities and challenges claimants face when dealing with an insurance company and know how frustrating it is to fight with your disability insurance company to obtain your rightful benefits.
We believe everyone deserves access to the benefits they are entitled to. If your insurance carrier has wrongfully denied or terminated your long-term disability benefits, we offer a free case review. Call us at (888) 321-8131 or click the button below to schedule your case review today.
Long-Term Disability Overview
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What Is the Difference Between Short-Term and Long-Term Disability?
Short-term disability benefits typically last a few weeks to a few months. They are designed to provide temporary financial support to employees who cannot work due to a covered illness or injury. Long-term disability benefits, however, are designed to provide ongoing financial support to employees who cannot work due to a severe illness or injury. LTD claims may last for several years or until a person reaches retirement age as long as they continue to meet the LTD policy requirements.
What Is a Long-Term Disability Attorney?
A long-term disability attorney specializes in helping clients navigate the complex process of applying for and receiving long-term disability benefits. These benefits are typically provided through employer-sponsored disability insurance plans or individual disability insurance policies.
What Does a Long-Term Disability Attorney Do?
A long-term disability attorney can assist you in many ways, including:
- Evaluating your disability claim and helping you understand your rights and options.
- Helping you gather and organize the necessary medical and financial documentation to support your claim.
- Representing you in negotiations with the insurance company.
- Appealing a denied claim or pursuing legal action on your behalf.
- Providing guidance and support throughout the entire long-term disability claim process.
When Should You Hire a Long-Term Disability Attorney?
If you struggle to get the disability benefits you deserve, you should consider hiring a long-term disability attorney. Some common situations where you might need an attorney include:
- Your long-term disability claim has been denied or terminated.
- Your employer is disputing your claim for long-term disability benefits.
- You have been receiving benefits but are now facing a review or termination.
- You are unsure about your rights and options regarding long-term disability benefits.
Do I Need an Attorney to Appeal a Denial of Long-Term Disability Benefits?
While you are not required to hire an attorney to appeal the denial of your long-term disability benefits, doing so can significantly increase your chances of getting approved and help ensure your rights are protected throughout the appeal process. If you intend to appeal independently, we encourage you to review our free, step-by-step disability insurance appeal guide.
How Do You Choose the Right Long-Term Disability Attorney?
Choosing the right long-term disability attorney is an important decision. Here are some factors to consider when selecting an attorney:
- Experience: Look for an attorney with experience in handling long-term disability claims with different disability insurance companies.
- Reputation: Research the attorney’s reputation and track record of success.
- Communication: Make sure the attorney is responsive and communicates clearly and effectively.
- Fees: Understand the attorney’s fee structure and ensure it is reasonable and transparent.
What Are the Benefits of Hiring a Long-Term Disability Attorney?
There are many benefits to hiring a long-term disability attorney, including the following:
- Advocacy: An attorney can serve as your advocate, ensuring that your rights are protected and your best interests are represented.
- Expertise: A long-term disability attorney has specialized knowledge and expertise in disability law and can provide guidance and support throughout the claim process.
- Increased chances of approval: A long-term disability attorney can help ensure that your appeal is adequately supported and presented, increasing your chances of getting approved.
- Reduced stress: Dealing with a disability claim can be stressful and overwhelming. An attorney can handle the process for you, reducing your stress and allowing you to focus on your health and well-being.
How Much Does a Long-Term Disability Attorney Cost?
The cost of a long-term disability attorney can vary depending on several factors, including the complexity of your case, the attorney’s experience, and the fee structure. Some attorneys charge a flat fee or hourly rate, while others work on a contingency basis. A contingency fee means your attorney will only get paid if there is a recovery. Discussing fees with potential attorneys and ensuring you understand the fee structure before hiring is critical.
We have a “Zero Fee Guarantee,” which means our clients only pay an attorney fee when disability benefits are recovered.
How Long Will It Take to Get Long-Term Disability Benefits?
The time it takes to get long-term disability benefits can vary depending on several factors, including the complexity of your case and the insurance company’s responsiveness. It can take several months or even years to receive benefits, and it’s essential to be patient and persistent throughout the process.
What Should You Expect During the Long-Term Disability Application Process?
The long-term disability application process can be complex and time-consuming. You can expect to:
- Gather and organize medical and financial documentation to support your claim.
- Submit your claim to your employer or insurance company.
- Wait for a decision on your claim, which can take several months or longer.
Can I Apply for Long-Term Disability Benefits If I Have a Pre-Existing Condition?
Yes, you can still apply for long-term disability benefits if you have a pre-existing condition. However, it’s essential to provide thorough and accurate medical documentation to support your claim and to be prepared for potential challenges from the insurance company.
How Long Does It Take to Receive a Decision on a Long-Term Disability Claim?
The time it takes to receive a decision on a long-term disability claim can vary depending on several factors, including the complexity of the case and the responsiveness of the insurance company or Social Security Administration. It can take several months or even years to receive a decision on a claim.
What Should I Do If My Insurance Company Denies My Long-Term Disability Claim?
If your long-term disability claim is denied, you must file an appeal. Submitting additional medical evidence to support your appeal is essential. An attorney can explain your rights and options after an LTD denial and help you navigate the appeals process. If necessary, they can also represent you in negotiations or legal action against your insurance carrier.
What Conditions Qualify for Long-Term Disability?
There are a variety of different medical conditions that can qualify for LTD benefits. The top 5 reasons behind long-term disability claims are:
- Muscle/Bone Disorders
- Mental Disorders
- Cardiovascular Disorders
What Is the Difference Between a Long-Term Disability Attorney and a Disability Advocate?
A long-term disability attorney is a licensed legal professional who can provide legal advice and representation. In contrast, a disability advocate is a non-attorney who can assist with the disability application process but cannot provide legal advice or represent you in court.
Common Mistakes People Make When Applying for Long-Term Disability Benefits
Some of the common mistakes people make when filing a claim for disability benefits are:
- Failing to provide sufficient medical documentation to support their claim
- Missing deadlines for submitting paperwork or appealing a denied claim
- Not seeking legal assistance when necessary
- Underestimating the complexity of the application process
Learn more about the common mistakes that will destroy your long-term disability claim with our free eBook, The Top Ten Mistakes That Will DESTROY Your Long-Term Disability Claim.
What Are Some Common Challenges Faced by Long-Term Disability Claimants?
Dealing with an insurance company can be daunting. Some of the most common challenges include:
- Meeting the Definition of Disability: Insurance companies often have strict definitions of disability, making it challenging for claimants to qualify for benefits.
- Meeting Deadlines: There are often strict deadlines for filing claims and providing supporting documentation, which can be difficult for individuals dealing with a long-term illness or injury.
- Medical Evidence: Insurance companies require medical evidence to support a disability claim, and gathering all the necessary documentation can be challenging.
If a claim is denied, it can be challenging to navigate the appeals process, which can be time-consuming and require additional documentation. Our team deeply understands the criteria that insurers use to determine disability and can help you present a strong case. We are here to help you obtain the medical evidence to support your claim and ensure your claim stays on track and meets all deadlines.
What Are Some Tips for Increasing Your Chances of Getting Approved for Long-Term Disability Benefits?
Some tips for increasing the chances that your claim for disability benefits will be approved include:
- Provide thorough and accurate medical documentation to support your claim
- Be persistent and follow up regularly on your claim status
- Seek legal assistance when necessary
- Understand and follow the application requirements and deadlines
What Are Some Resources for Finding a Long-Term Disability Attorney?
Some resources for finding a long-term disability attorney include:
- Referrals from friends or family members
- State bar association referral services
- Online directories and reviews of attorneys
- Disability advocacy groups
Why Ortiz Law Firm Handles Long-Term Disability Claims
How Can Ortiz Law Firm Help with My Claim?
Our team of experienced long-term disability insurance experts understands the challenges that claimants may face and can help guide you through the appeal process. We are familiar with the appeals process and can help you navigate its complex requirements and deadlines. We have a proven track record of successfully appealing denied claims and helping our clients receive the benefits they are entitled to.
If your claim is denied, we will start by reviewing your policy and understanding the specific terms and conditions. We will work with you to gather all the necessary medical evidence, ensure all deadlines are met, and represent you throughout the appeal process. If necessary, we will represent you against the insurance company in court.
We aim to help you receive the financial support you need to cover essential expenses and support your recovery. We represent claimants nationwide and are here to provide the guidance and support you need to successfully navigate the long-term disability claim process and receive the benefits you deserve.
Get Help with Your Long-Term Disability Claim
Navigating the long-term disability claim process can be overwhelming and stressful, especially if your claim is denied or terminated. Hiring a long-term disability attorney can not only reduce your stress and anxiety but can also increase the likelihood that your claim will be approved. When choosing an attorney, consider their experience, reputation, communication, and fee structure.
We are here to help you navigate the process and fight for your rights. We represent claimants nationwide and only charge a fee if we recover benefits. Call us today to schedule a free case evaluation so we can discuss how the firm can help with your claim. Call our office at (888) 321-8131 or complete our contact form.