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Standard Reverses Disability Denial for Mast Cell Activation Syndrome

At the Ortiz Law Firm, we are committed to fighting for individuals who have been unfairly denied long-term disability benefits. One of our...

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Standard Reverses Disability Denial for Mast Cell Activation Syndrome

At the Ortiz Law Firm, we are committed to fighting for individuals who have been unfairly denied long-term disability benefits. One of our...

Mistakes with Your Doctor That Could Hurt Your Disability Claim

Navigating a Social Security disability or long-term disability insurance claim can be a complex and lengthy process, and one of the most critical...

The 5-Year Rules In Social Security Disability Claims

Social Security Disability Insurance (SSDI) claims involve a complex set of rules and regulations, several of which include a 5-year period. These rules...

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What Does Long-Term Care Insurance Cover?

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Over the past several decades, advances in health care, hygiene, nutrition, and other factors have helped increase life expectancy. But with longer lifespans...

7 of Your Legal Rights Concerning Your Claim for Long-Term Disability

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Here is a list of your legal rights concerning your claim for long-term disability insurance benefits. This is not a complete list but...

Long Term Disability vs. Long Term Care: The Key Differences

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As we navigate through life, there are various types of insurance policies available to safeguard our financial well-being and provide peace of mind....

Disability Insurance Case Study #1: Driving History

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You most likely know that your health is a factor in determining whether or not you will be approved for disability insurance. Pre-existing...

How to Appeal a Guardian Long-Term Disability Denial

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With more than $23 million in in-force premiums, Guardian Life Insurance Company (often through its subsidiary Berkshire Life Insurance Company) is one of...

Your Date Last Insured in Social Security Disability Claims

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Understanding the Date Last Insured (DLI) is crucial when applying for Social Security Disability Insurance (SSDI). The DLI serves as a cutoff point...

Securing Your Home: Understanding Disability Mortgage Insurance

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When it comes to protecting your home and your family’s financial well-being, mortgage insurance can be a crucial element in your financial plan....

Anatomy of Group vs. Individual

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The Unum plan’s monthly premium was approximately $259.58 for $7,500 monthly benefit. Ameritas has approved the client for a $6,000 benefit for a...

Do You Need Specialty-Specific Disability Insurance?

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If you’re a physician, lawyer, dentist, or other high-income professional working in a complex field, you shouldn’t go without robust long-term disability insurance...

Social Security Disability Video Hearings

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Social Security Disability video hearings have become an increasingly common way for claimants to present their cases to administrative law judges. With the...

The Key to Financial Security: Principal Disability Insurance

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For many individuals, the ability to earn an income is their most valuable asset. However, life is unpredictable, and unexpected disabilities can disrupt...

Resident & Fellow Disability Insurance

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If you develop an unexpected medical condition, whether it’s a sickness or injury, that prevents you from working, your obligations won’t just disappear...
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