What Are Your Legal Rights Concerning Your Claim for Long-Term Disability Insurance Benefits?
Ortiz Law Firm Blog
by Ortiz Law Firm
2d ago
Table of Contents Seven of Your Legal Rights Concerning Your Claim for Long-Term Disability You Have the Right to Buy an Individual Policy Directly from an Insurance Broker You Have the Right to Submit Your Medical Records You Have the Right to Seek Medical Treatment from Any Doctor You Prefer You Have the Right to a Copy of Your LTD Policy and Plan You Have the Right to a Copy of the Insurance Company’s Complete Claim File You Have the Right (If Not The Duty) to Appeal Your Long-Term Disability Denial You Have the Right to Hire Any Attorney You Choose to Represent You Schedule a Free Case ..read more
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Medical Experts at Social Security Disability Hearings
Ortiz Law Firm Blog
by Ortiz Law Firm
6d ago
Table of Contents Understanding the Role of Medical Experts at Social Security Disability Hearings Preparing for Social Security Disability Hearings Involving Medical Experts Ortiz Law Firm Can Represent You at Your Social Security Disability Hearing FAQ: Medical Experts at Social Security Disability Hearings Having a medical expert (ME) at your Social Security disability hearing can significantly impact the outcome of your case. These professionals are vital in providing expert testimony and medical evidence to support your disability claim. Medical experts bring a wealth of knowledge and ..read more
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Court Rules “Superhuman Effort” Cannot Serve as the Sole Reason for the Denial of Disability Benefits
Ortiz Law Firm Blog
by Ortiz Law Firm
2w ago
Table of Contents Claim History The Policy The Issues The Judge’s Decision The case of Mucciacciaro v. Hartford Life & Accident Insurance Company was filed in the United States District Court for the District of New Jersey. This legal battle centers around Sandra Mucciacciaro, the Plaintiff, and Hartford Life and Accident Insurance Company, the Defendant. The legal dispute pertains to a claim for long-term disability benefits, with the Plaintiff and the Defendant filing cross-motions for summary judgment. ERISA governs the disability plan. Claim History Dimensional Dental Holdings, LLC ..read more
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What Disabilities Are Hard to Prove? A Guide to Hard-to-Prove Disabilities
Ortiz Law Firm Blog
by Ortiz Law Firm
3w ago
Table of Contents Chronic Pain Fibromyalgia Mental Health Conditions Migraine Headaches Traumatic Brain Injury (TBI) Ehlers-Danlos Syndrome (EDS) Chronic Fatigue Syndrome (CFS) How Can I Qualify with a Disability That Is Hard to Prove? Medical Documentation is Key Consult with Specialists Describe Your Symptoms Effectively Be Persistent and Patient Seek Legal Assistance If Needed Get Help with Your Disability Claim Navigating a disability claim can be a daunting journey, especially for those grappling with disabilities that are hard to prove. Conditions involving chronic pain and fatigue ..read more
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Taking a Vacation While on Disability: What You Need to Know
Ortiz Law Firm Blog
by Ortiz Law Firm
3w ago
Table of Contents Tips for Taking a Vacation While on Disability Factors to Consider Before Planning a Vacation Strategies for Balancing Rest and Recovery with Vacation Activities Try Not to Push the Limits of Your Disability Follow Your Doctor’s Advice Be Careful Sharing Your Vacation on Social Media Contact Ortiz Law Firm for Help with Your Claim Have you ever wondered if you can take a vacation while on disability benefits? It’s a common question among claimants receiving Social Security Disability or long-term disability benefits. Enjoying some time away may seem appealing, but it ca ..read more
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Hartford Denies LTD Claim by Collections Rep with COPD and Cardiac Impairments
Ortiz Law Firm Blog
by Ortiz Law Firm
3w ago
The case involves Lisa Leif suing Hartford Life and Accident Insurance Company under ERISA, claiming wrongful denial of long-term disability (LTD) benefits. W.B. Mason Company, Inc. employed Ms. Leif as a Collection Representative. Leif suffers from atherosclerotic heart disease, refractory angina, coronary spasms, and COPD. As she was no longer able to work due to these medical conditions, she submitted an LTD claim. During the claim review, Hartford obtained an occupational analysis from Andrew Berlin, a vocational rehabilitation clinical case manager, and an independent medical review from ..read more
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How to Complete a Long-Term Disability Claim Form
Ortiz Law Firm Blog
by Ortiz Law Firm
1M ago
Table of Contents Preparing to Fill Out the Form Steps to Successfully Complete the Claim Form Common Mistakes to Avoid Expected Questions on an Application for Disability Insurance Benefits What Happens After Submitting the Claim Form Completing Your Long-Term Disability Claim Forms Long-term disability claim forms can be daunting and overwhelming, but completing them efficiently is achievable with a clear understanding and the right approach. Whether navigating the process for yourself or assisting someone else with the paperwork, knowing how to complete a long-term disability claim form ..read more
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Unum Terminates LTD Claim for Facilities Technician Suffering from a Back Injury
Ortiz Law Firm Blog
by Ortiz Law Firm
1M ago
The case of Harmon v. Unum Life Ins. Co. of Am. involves plaintiff Joey Harmon against Unum Life Insurance Company of America regarding a claim for long-term disability (LTD) insurance benefits. Mr. Harmon was a facilities technician for 24 Hour Fitness. He suffered a back injury leading to surgery and claimed LTD benefits under policies provided by Unum. Mr. Harmon received LTD benefits for several years before Unum eventually terminated the claim. The claim was terminated based on Unum’s evaluation of the medical evidence and definitions within the policy regarding disability and the ability ..read more
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How to Navigate Severance Packages and Long-Term Disability Claims
Ortiz Law Firm Blog
by Ortiz Law Firm
1M ago
Table of Contents Understanding Severance Packages Key Components of a Severance Package Interplay Between Severance Packages and Long-Term Disability Claims Effects of Severance Packages on Disability Benefits Legal Considerations and Rights Navigating the LTD Claim Process Documentation Required for Disability Claims Appealing a Denied Claim When navigating the complexities of severance packages and long-term disability insurance benefit claims, individuals often face many challenging decisions and uncertainties. Particularly – what happens when you’re presented with a severance ..read more
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Evans v. LINA – LINA Denies Disability Benefits to Wireline Operator with Severe Back Pain
Ortiz Law Firm Blog
by Ortiz Law Firm
1M ago
The plaintiff, Heath Evans, was employed by Schlumberger Technology Corporation. Evans worked as a wireline operator, a role the Department of Labor classified as requiring very heavy physical labor. Evans suffered a workplace injury to his back in November 2013, leading to significant back pain and functional limitations. He underwent two surgeries, one in 2014 and one in 2015. Despite these surgeries, Evans continued to experience intense back pain, particularly with physical activities involving lifting, bending, twisting, and prolonged sitting or standing. The defendant in the case is Life ..read more
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