Helping People Who Are Denied Disability Nationwide
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 the Employee Retirement Income Security Act, also known as ERISA, and will use those rules against you.
You need an experienced team of disability attorneys and professional staff who understand 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, also known as private disability insurance. An attorney can help you determine if your individual disability case is governed by ERISA.
Get Help With Appeals, Lawsuits, and Lump Sum Settlement Offers
Long term disability lawyer, Nick Ortiz, represents LTD 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 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 LTD coverage that could be impacted then we may be able to assist you with your STD claim as well.
If you need assistance with a Social Security Disability benefits claim then we can help with that as well. Nick Ortiz is a Board Certified Social Security Disability lawyer and can represent you in your Social Security claim as well as your claim for long-term disability benefits.
If you become disabled as a result of an injury, you may have a personal injury claim in addition to your disability claim. We also handle personal injury claims in Florida.
Long Term Disability Claims Information
General Info
10 Things You Need to Know About LTD
Can a Disability Lawyer Speed Up a Case?
How a Lawyer Helps You Get Your Benefits
Medical Eligibility
Medical Qualification for LTD Benefits
Do You Have to Be Permanently Disabled?
Residual Functional Capacity Forms
Chances of Approval
Non-Medical Eligibility
Non-Medical Requirements for LTD Benefits
Can I Be Fired While I’m On Disability?
Reasons LTD Coverage Can Be Canceled
Denials and Appeals
Was Anything on Your Application Harmful?
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 LTD blog posts.
Long Term Disability Frequently Asked Questions
What is ERISA And What Does It Have to Do with My LTD Claim?
Do I Need a Lawyer in My LTD Claim?
Does Disability Insurance Offset My Social Security Disability Benefits?
Why Is My Insurance Company Delaying Payment on My Claim?
How Do I Appeal a Denial of Benefits on My Own?
Can I Sue the Insurance Company?
What Is the Arbitrary and Capricious Standard of Review?
Should I Send Multiple Doctor’s Letters to The Insurance Company?
Long Term Disability Insurance Companies
The Ortiz Law Firm has recovered millions of dollars in wrongfully denied insurance benefits. Our disability insurance lawyers 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. A disability insurance company may 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.
Conditions that May Qualify for Disability Insurance Benefits
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 Disability Insurance Claim
Free Downloads
Prepare for your long-term disability insurance 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 claim being approved. You can download a form specific to physical limitations or a form specific to mental limitations.
We also have a guide for your doctor that explains why it is so important to fill out the RFC form.
This case study will give you a look at a real claim for fibromyalgia.
It’s important to document your symptoms and treatment. Use our medication log, doctor’s visit record, and migraine headache diary to keep your medical evidence organized.
Are you preparing to file an appeal? Our ultimate appeal checklist will assist you in gathering the medical records and other evidence you need to provide the claim adjuster with proof of your disability.
Case Results
You can also review our past case results or browse federal court case summaries to gain a better understanding of disability law and how LTD claims are decided by insurance carriers and in federal court.
Hire an Experienced Long Term Disability Attorney
Disability insurance policies are complicated, but a lawyer can help. Ortiz Law Firm represents disability insurance claimants across the country and our disability insurance lawyer will fight for the benefits that you are entitled to. We represent claimants during the administrative appeal process and will file a lawsuit if necessary. If your disability benefits claim has been denied or terminated then contact us online or call our office at (866) 853-7703 to schedule your free case evaluation as soon as possible. You will speak with an experienced disability lawyer and get legal advice to help with your claim. We’ll review your long-term disability policy as well as your denial or termination letter and advise you of how we can help with your long-term disability case.