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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 are receiving long-term disability benefits and feeling worn down by constant monitoring, requests for updated records, and ongoing scrutiny, you may have considered asking your insurance company to buy out your remaining benefits. Before you do, there are serious risks you need to understand. What Is an LTD Buyout, and How Does It …
Not all disabilities look the same every day. For people living with dynamic or fluctuating conditions, symptoms can vary in severity over time. One day might bring debilitating fatigue or pain; the next might be relatively manageable. This variability makes it uniquely challenging to secure disability benefits, both through Social Security and private long-term disability …
If you’re unable to work due to a serious illness or injury, understanding your options for disability benefits is a key part of maintaining financial stability. Two common sources of income in this situation are Long-Term Disability (LTD) insurance and Social Security Disability Insurance (SSDI). While these programs serve a similar purpose, they work very …
If you are collecting long-term disability (LTD) benefits and thinking about forming an LLC, you need to understand how insurance companies investigate claimants — and why LLC registration can become a problem. This is not a theoretical risk; it has come up in real cases. Why Would an Insurance Company Care If You Form an …
On July 21, 2026, the Social Security Administration announced a group of enhancements to My Social Security accounts that give disability claimants expanded online access to their case status, their hearing notices, and three hearing-level forms. For claimants who have spent months wondering whether anything is happening with their case, the added visibility is welcome. …
Apple is one of the most desirable employers in the world, offering competitive salaries, innovative work environments, and a comprehensive benefits package. Part of that package typically includes long-term disability (LTD) insurance through Lincoln Financial Group — a policy designed to replace a portion of your income if you become too sick or injured to …
Carl Weiss claimed that long COVID left him unable to work and sought both short-term and long-term disability benefits. The District of Vermont ruled against him on every issue, finding that the medical record did not support a disability during the relevant period and that key evidence in his favor was unreliable. Case at a …
Being neurodivergent doesn’t automatically disqualify you from long-term disability (LTD) benefits — but it does make the claims process harder. Insurance companies routinely deny or terminate benefits for conditions like ADHD, autism spectrum disorder (ASD), and sensory processing disorders, often arguing that these are pre-existing, manageable, or not severe enough to prevent work. If your …
A Manager at BAE Systems, Inc. became disabled following a traumatic brain injury that left him with seizures, migraines, and debilitating neurological impairments. Despite more than 1,000 pages of medical records supporting his claim, New York Life denied his long-term disability (LTD) benefits — relying on a paper review riddled with factual errors and selective …
Learn how key ERISA disability laws, including 29 CFR § 2560.503-1, ERISA Section 503, and Section 502(a), protect your right to a fair claim review and your ability to sue for denied benefits.
Having years of medical records feels like a strong foundation for a disability claim—but older documentation alone rarely wins a case. The Social Security Administration cares far more about what your condition looks like right now and whether you have been consistently receiving care throughout. What Medical Records Does the SSA Actually Want to See? …
If you’ve applied for Social Security Disability benefits and received a notice scheduling you for a consultative examination (CE), you may have been surprised to find that the exam doesn’t match your primary condition. Claimants with severe back pain get sent to a mental health evaluator. People whose main struggle is depression or anxiety get …
When a long-term disability (LTD) insurance company gathers new evidence against your claim while reviewing your appeal, you do not have to find out about it in a denial letter. A 2018 Department of Labor rule gives claimants the right to see that evidence first—and to respond to it before the insurer makes its decision. …
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 …
When you apply for or receive Social Security disability benefits, the Social Security Administration (SSA) must decide how those benefits will be paid. In some cases, the SSA determines that a beneficiary should not receive payments directly and instead appoints a representative payee. A representative payee is a person or organization chosen by the SSA …
Waiting on a Social Security Disability claim can feel endless — and for good reason. The process is genuinely slow. According to the SSA’s fiscal year (FY) 2024 report, applicants waited an average of 231 days just for their initial determination nationwide. From there, reconsideration typically takes around 2–6 months, and ALJ hearing waits stretch …
You’ve told your doctors you’re in pain. You’ve explained the fatigue is overwhelming. But when it comes to your disability claim, is that enough? For thousands of people who get denied, the surprising answer is no. The key isn’t just proving you have a medical condition; it’s showing exactly how that condition limits you, day …
If you have a Social Security Disability hearing scheduled, your Administrative Law Judge’s (ALJ) grant rate is one of the most important numbers you can look up before you walk into that hearing room. Understanding what those percentages actually mean can help you set realistic expectations and prepare your case accordingly. What Does an ALJ’s …
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 day in court. …
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 a pre-existing condition, …
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 …