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Ortiz Law Firm | National Disability Law Firm
Ortiz Law Firm is dedicated to helping people recover the disability benefits they deserve. We handle group Long Term Disability (LTD) claims, individual disability insurance policy claims, ERISA disability claims, and Social Security Disability claims.
If you’re filing a long-term disability (LTD) claim for depression, anxiety, PTSD, or another mental health condition, you may have heard that these claims are harder to win than physical ones. The reality is more nuanced — and more hopeful — than that common assumption suggests. The 24-Month Rule You Need to Know Before diving …
Getting out of bed can feel like a physical feat. Focusing on a simple work email feels impossible. If your depression has made your job unsustainable, you’re likely asking if qualifying for disability with depression is an option. The answer is yes, but a successful claim doesn’t start with a call to HR; it starts …
For many long-term disability (LTD) claimants, the struggle to keep working doesn’t stem from just one issue. It’s common to have both physical and mental health challenges—chronic pain, fatigue, or neurological issues often go hand-in-hand with depression or anxiety. But when it comes to insurance claims, this dual diagnosis can …
We recently helped a client get her long-term disability (LTD) benefits reinstated after they were wrongfully terminated by Prudential—without having to complete a formal appeal. This case highlights the importance of experienced legal help when insurance companies create confusion or apply the wrong standards. Background: Mental Health and Long …
Long COVID has left millions of people struggling with debilitating symptoms that disrupt every facet of their lives. Despite its recognized impact, disability insurance companies often attempt to deny claims by misclassifying the condition to trigger a mental or nervous limitation or citing a lack of objective diagnostic evidence. Claimants are …
Navigating the appeals process for mental health-related long-term disability (LTD) claims can be particularly challenging. Unlike physical conditions that can be documented with imaging and lab results, mental health disorders rely on more subjective assessments that insurers often undervalue or dismiss. Insurers may also use various tactics to …
Ongoing treatment is a critical factor in mental health disability claims, often serving as a foundational element in both the approval and continuation of benefits. Insurance companies and Social Security evaluate not only the severity of the mental health condition, but also the consistency and effectiveness of the treatment plan. Here’s why …
In Gill v. UNUM Life Insurance Company of America, the U.S. District Court for the Northern District of California decided a dispute over long-term disability (LTD) benefits. The plaintiff, Terrance Gill, was a project manager at Union Bank when he applied for LTD benefits. He received benefits under a UNUM policy governed by the Employee …
According to the Mental Health Foundation, nearly one in three people with a long-term physical condition also has a mental condition. Claimants with both mental and physical conditions may be concerned that their insurance company will apply a mental and nervous limitation to their long-term disability (LTD) insurance claim. A mental health …
The top 4 reasons Social Security Disability Claims for Mental Illness get denied are: Social Security disability attorney Nick Ortiz provides more detail on these issues below. Common Reasons the SSA Denies Claims for Mental Health Your Medical Records Are Illegible or Don’t Provide Enough Information One of the biggest problems we face in a …
The plaintiff argues that his disability has a physiological cause – in particular, brain damage likely resulting from HIV – and that Prudential should not have applied the mental health limitation. In this case, the Court agreed.