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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 your long-term disability (LTD) claim has been denied, you may be facing another problem you didn’t expect: your life insurance waiver of premium claim may be denied too. These two benefits are often closely connected. When an insurance company decides you are not disabled under your LTD policy, it will often use that same …
When New York Life terminated our client’s long-term disability (LTD) benefits at the “any occupation” stage, the decision was based on paper reviews that ignored the full picture of her medical condition. We filed a comprehensive ERISA appeal — and New York Life reversed course entirely, reinstating her benefits without a single …
Receiving a long-term disability denial based on a “pre-existing condition” can feel frustrating and unfair. Many claimants are shocked to learn that their insurance company is refusing benefits based on medical treatment that occurred months, or even years, before they stopped working. If your long-term disability (LTD) claim was denied because of …
Disability loan discharge lets people who can’t work because of a disability have their student loans canceled. This is important for those whose health issues make it hard to get a job. It can apply to both federal and private student loans, but the rules and who qualifies can be different for each type. Knowing …
The Social Security Administration (SSA) releases workload data every year showing how many disability claims were decided at each stage of the process — and how many were approved or denied. The FY 2025 figures reveal a stark reality: most applicants are turned down initially, but the process does not end there. Understanding where approvals …
At Ortiz Law Firm, we recently helped a client secure the reinstatement of her long-term disability (LTD) benefits after Unum wrongfully terminated her claim. Through a strategic and comprehensive appeal, we were able to achieve a full reversal in less than 45 days. Background of the Claim Our client was initially approved for long-term disability …
You paid your disability insurance premiums faithfully. You trusted that you would be protected if you ever became too sick or injured to work. So when the denial letter from Lincoln Financial arrives, it can feel like a profound betrayal. In reality, the reason for the denial is rarely personal. Disability insurance companies operate under …
Navigating the Social Security Disability process can feel overwhelming, especially when a medical condition prevents you from working. Social Security Disability Insurance (SSDI) provides financial support to individuals who can no longer maintain substantial employment due to a qualifying disability, but approval requires meeting strict criteria …
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 …
Many applicants for Social Security Disability believe that earning a single paycheck will instantly destroy their chances of approval. Contrary to this popular fear, the administration actually offers a safety net known officially as an Unsuccessful Work Attempt (UWA). This rule acknowledges that trying to return to the workforce is often a test …
Navigating the world of long-term disability (LTD) benefits can feel overwhelming, especially when you are already dealing with a serious medical condition. If your symptoms are preventing you from working, understanding how to get long-term disability benefits is essential to protecting your income and financial stability. Long-term disability …
The Social Security Administration (SSA) has announced a major operational change that could affect how disability benefits are reviewed and how quickly new claims are processed. Whether you are applying for benefits or already receiving them, this update is more than just an internal policy change. It could directly affect how your case is …
If you previously received Social Security Disability benefits and later returned to work, the 5-year waiting period rule plays an important role in whether you can restart your benefits without filing a brand-new application. This rule applies through a process called Expedited Reinstatement (EXR). Many claimants mistakenly assume that they must …
In general, Social Security Disability benefits continue as long as a person remains disabled. However, under Social Security law, all disability cases must be reviewed from time to time to make sure that people receiving benefits continue to meet the disability requirements. Benefits continue unless there is strong proof that a person’s impairment …
Fixing errors in your medical records is important—especially if you’re applying for long-term disability (LTD) or Social Security Disability (SSD) benefits. Both insurance companies and the Social Security Administration (SSA) rely heavily on your medical records to make decisions. Even small mistakes—like an incorrect diagnosis or missing …
Medicare. Medicaid. They sound so similar it’s easy to mix them up. Both programs are important for health, but they serve different needs. Clearing up this common confusion is the first step to knowing where you or a loved one might turn for help. Remember this simple distinction: Medicare is primarily for providing care to …
Many disability claimants believe Social Security Disability Insurance (SSDI) is based only on their current medical conditions. However, eligibility also depends on your work history, specifically whether you have earned enough work credits within the 5-year period before your disability began. This is often referred to as the 5-year work credit …
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 …
A new bipartisan bill in the U.S. Senate could significantly change how quickly Americans diagnosed with terminal illnesses or severe disabilities begin receiving their Social Security Disability Insurance (SSDI) benefits. Introduced by U.S. Senators Maggie Hassan (D-NH) and Susan Collins (R-ME), the We Can’t Wait Act seeks to provide eligible …
Your monthly disability check from MetLife provides a steady, reliable income. But what if the company offered you the next 10 or 20 years’ worth of payments all at once? This is called a lump-sum buyout—a single, large payment that replaces all future monthly checks forever. It’s an offer that can feel both exciting and …
Trying to explain how a bad day really feels can be overwhelming, especially when the right words disappear at a doctor’s appointment. What if you had a tool that could speak for you? Learning how to keep a symptom journal is one of the most powerful steps you can take, giving you a voice and …
If your Social Security Disability Insurance (SSDI) claim was selected for federal quality review, it’s natural to wonder why. The short answer is: your case was chosen at random as part of the Social Security Administration’s quality control process. It doesn’t mean there’s a problem with your claim, and it doesn’t mean you’re more or …
The Road From COVID to Disability Federal Court: Central District of CaliforniaInsurance Carrier: Metropolitan Life Insurance Company (MetLife)Employer: Google LLCOccupation: Senior Software Engineer Austin Baltes, a Senior Software Engineer at Google, contracted COVID-19 twice—first in 2020 and again in early 2022. Following the second infection, …
If New York Life denied or delayed your long-term disability (LTD) benefits, you are not alone. We routinely hear from claimants who did everything “right”—submitted forms, followed treatment, and kept the insurer updated—only to receive a denial letter that feels prewritten. The reality is that disability insurers follow patterns. Don’t make the …