We Help With Appeals, Lawsuits and Lump Sum Settlement Offers
If you are disabled and unable to work, you may be eligible for long-term disability (LTD) insurance benefits under a disability insurance policy. We help disability claimants across the country receive the LTD benefits they are entitled to receive. You see, disability insurance companies understand the disability rules and regulations such as ERISA, and will use those rules against you. You need an experienced team of attorneys and professional staff who understand the rules and know how to use those same rules to fight back and protect the rights of people filing disability claims. We handle both group disability claims that are typically governed by ERISA regulations, as well as individual disability insurance (“IDI” or “DI”) policy claims.
We represent long term disability claimants nationwide at the following stages of a long term disability claim:
- If your benefits have been wrongfully denied or terminated, we can help prepare and file your administrative appeal with the insurance company in an effort to maximize the chances that your LTD claim will be approved or reinstated.
- If you have exhausted your administrative appeals with the insurance company, we may be able to file a lawsuit against the insurance company.
- If you have been offered a lump sum settlement offer, we can help you evaluate the fairness of the offer and possibly negotiate for a higher settlement amount.
Our firm does not typically handle short term disability (STD) cases. However, if your short term disability benefits have been denied and you have long term disability coverage that could be impacted then we may be able to assist you with your STD claim as well.
Long Term Disability Information
Chances of Approval
Denials and Appeals
Additional Parts of a Claim
Are you looking for information on a topic that is not listed above? Click here to view a complete list of our long term disability blog posts.
Long Term Disability FAQs
You can view our complete list of frequently asked questions related to long term disability claims here.
Long Term Disability Insurance Companies
The Ortiz Law Firm has recovered millions of dollars in wrongfully denied insurance benefits. We have litigated claims against all the major insurance companies, including Cigna, Unum, Lincoln, Prudential, Liberty Life, MetLife, The Hartford, Aetna, and more. Despite the fact the insurance companies have billions of dollars in resources behind them, the Ortiz Law Firm does not fear a single one of them. Some insurance companies hire outside claims administrators to review and decide claims. We also handle claims against “first-party” plan administrators and against “third-party” claims administrators. Click here to view our complete list of long term disability insurance companies.
Medical Conditions that May Qualify for Long Term Disability
Looking for information about a specific condition? Click here to view our complete list of impairments, medical conditions, and problems that may qualify you for long term disability benefits.
Resources for Your Long Term Disability Claim
Prepare for your long term disability claim by requesting a free copy of our guide to common mistakes made by applicants, Top 10 Mistakes That Will Destroy Your Long Term Disability Claim.
An RFC form completed by your doctor can greatly improve your chances of your long term disability claim being approved. You can download a form specific to physical limitations or a form specific to mental limitations.
This case study will give you a look at a real long term disability claim for fibromyalgia.
Are you preparing a long term disability appeal? Our ultimate appeal checklist will assist you in gathering the evidence you need to provide the claim adjuster with proof of your disability.
You can also review our past case results or browse federal court case summaries to gain a better understanding of how long term disability claims are decided by insurance carriers and in federal court.
Hire an Experienced Long Term Disability Lawyer
Ortiz Law Firm represents disability insurance claimants across the country and will fight for the benefits that you are entitled to. If your long term disability claim has been denied or terminated then contact us online or call our office at (866) 853-7703 to schedule your free case evaluation today.