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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 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 …
If New York Life denies or terminates long-term disability (LTD) benefits under an employer plan, your case is likely governed by ERISA. ERISA changes how the case is built, how a judge reviews it, and what you can recover compared to ordinary insurance lawsuits. Understanding these differences helps you plan the appeal and any lawsuit …
The dispute between Michael Cloud and the Bert Bell/Pete Rozelle NFL Player Retirement Plan centered on Cloud’s eligibility for the highest level of disability benefits because of injuries sustained during his NFL career, including multiple concussions. Cloud initially received lower-tier benefits, but sought an upgrade based on further …
If you’re preparing for a Social Security Disability hearing, you’re likely feeling anxious about what to expect—especially when it comes to testifying in front of the Administrative Law Judge (ALJ). You might worry about saying the wrong thing or forgetting an important detail. Then, during the hearing, your attorney interrupts you …
A denial from New York Life doesn’t mean your claim is over—it means you’re entering the most important phase of your case: the appeal. This stage decides what evidence the insurer (and a court, if needed) will review. A common mistake I see claimants make is assuming that more paperwork means a stronger case. In …
Choosing the right Social Security Disability (SSD) lawyer can make a big difference in how smoothly your case moves forward—and whether you’re ultimately approved for benefits. Here’s a simple guide to help you find the best lawyer for your needs. 1. Look for Experience with Social Security Disability Claims Not all lawyers handle SSD cases, …
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 …
When you’re applying for Social Security Disability benefits, every piece of documentation you submit plays a role in the outcome of your claim. It’s natural to want to be thorough, but there’s one well-meaning mistake that can actually hurt your case: submitting duplicate medical records. Why Duplicate Records Can Be a Problem It …
If you’ve filed a claim for long-term disability (LTD) benefits, it’s only natural to want to check your insurance company’s online portal for updates. These portals are designed to help you stay informed—but more often than not, they end up creating confusion or even anxiety. Insurance Portals Are Often Incomplete or Misleading While LTD …
When New York Life denies long-term disability (LTD) benefits, the reasons usually fall into predictable patterns. Understanding those patterns helps you respond strategically, focusing your appeal on evidence that matters most and avoiding dead-end arguments. Below are the most common denial reasons we see, with practical ways to overcome each …
Timing matters. Knowing what to expect helps you plan medical visits, gather evidence, and decide when to escalate. Here’s how New York Life typically handles long-term disability (LTD) appeals under ERISA and what can speed things up — or slow them down. The Standard ERISA Timeline For most employer-sponsored LTD plans governed by ERISA, the …
At the Ortiz Law Firm, we fight to ensure that our clients receive the long-term disability (LTD) benefits they deserve. One of our recent successes involved a client with multiple debilitating medical conditions whose LTD benefits were wrongfully terminated by Lincoln National Life Insurance Company. Background and Disabling Conditions Our client …
If you’ve filed a disability claim with the Social Security Administration (SSA), you can monitor the progress of your application through the SSA Status Portal. This online tool provides updates and key information about your claim without having to call or visit a local SSA office. What Is the SSA Status Portal? The SSA Status …
Receiving a denial from an Administrative Law Judge (ALJ) can feel like the end of the road. But an ALJ denial doesn’t necessarily mean you’re out of options. Many claimants go on to win their Social Security Disability (SSD) benefits, either through an appeal or by filing a new application. The key is knowing what …
If you’re dealing with a long-term disability (LTD) claim, it’s important to understand the documents that govern your benefits. Two key documents you’ll likely encounter are the Summary Plan Description (SPD) and the policy (or full “Plan”). While they may sound similar, they serve different purposes and carry different legal …
When Principal Life Insurance Company unfairly terminated our client’s long-term disability (LTD) benefits in early in 2025, we stepped in to fight back. Client Background and Initial Approval Our client became unable to work a few years prior due to serious medical conditions, including: She was right-hand dominant and relied on strong …
Our client was forced to stop working towards the end of 2022 due to a number of serious medical conditions. These included cardiomyopathy, congestive heart failure, high blood pressure, diabetes, migraines, joint pain, GERD, multiple mental health conditions, and a complex history of back issues. Together, these conditions created significant …
When you’re approved for Social Security Disability Insurance (SSDI), your monthly benefit is based on your average lifetime earnings before your disability began. It’s not tied to how severe your condition is—and that means your benefit amount typically doesn’t increase if your health gets worse. Here’s what you should know if …
Navigating a long-term disability (LTD) claim can be overwhelming, especially when your benefits are unfairly denied. At Ortiz Law Firm, we recently helped a client successfully appeal a denial from Hartford and win a Social Security Disability claim, too. Here’s how it all unfolded. The Onset of Disability Our client stopped working in January …
If New York Life denied your long-term disability (LTD) claim, submitting the right evidence on appeal may change the outcome. You need to gather as much evidence as possible, as this could be your one chance to stack the record that a court may later review. The focus should be on documenting your functional limitations, …
Imagine making it nearly to the end of your short-term disability (STD) benefit period—only to have your benefits denied with just a couple weeks to go. It’s a discouraging situation that many claimants face. Not only does the denial cut off a vital source of income, but it can also create doubts about pursuing long-term …
If you’re pursuing long-term disability (LTD) or Social Security Disability Insurance (SSDI) benefits, you may think that starting your own business is harmless—as long as it doesn’t make money. After all, you’re not back to full-time work, and your condition still limits what you can do. But insurers and the Social Security Administration (SSA) …
Filing a disability claim—whether it’s for long-term disability (LTD) insurance benefits or Social Security Disability (SSD)—is a complex process. When you’re dealing with a serious medical condition and the stress of being out of work, it might be tempting to look for quick, easy solutions online. AI tools like ChatGPT and other …
If New York Life denied your long-term disability (LTD) claim, this isn’t the end of the process. Your administrative appeal is your opportunity to correct the record, add strong evidence of your limitations, and build a complete file that can support you later in court if necessary. This guide outlines the steps to take now …