Free Long Term Disability Book

This book discloses the tactics Long Term Disability insurance companies use to deny or terminate legitimate LTD claims and gives tips on how you can avoid making mistakes in your claim.

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Table of Contents

  • Chapter 1: Don't Give Up!

    The long term disability insurance company makes the application process extremely difficult because it wants you to give up. This explains why you shouldn’t give up.

  • Chapter 2: Review Your Full LTD Insurance Policy

    Explanation of how important it is to obtain your full long term disability insurance policy and original application for disability insurance coverage before filing a claim for benefits.

  • Chapter 3: The Pre-Existing Condition Exclusion

    Detailed description of the “Pre-existing Condition” exclusion and how this clause in the insurance policy may give the insurance company a reason not to pay you benefits.

  • Chapter 4: Answering Questions on the Phone

    You must cooperate with the insurance company’s investigation into your claim, but you should consider how you answer questions – in writing as opposed to on the phone.

  • Chapter 5: Providing Adequate "Proof of Loss"

    It is not the insurance company’s burden to prove you are not disabled; it is your “burden of proof” to supply adequate evidence that you are disabled under the LTD policy.

  • Chapter 6: Video Surveillance!

    The insurance company is likely to conduct video surveillance. This chapter describes when the carrier is most likely to send an investigator out to record you.

  • Chapter 7: The Field Representative Visit

    The insurance company will likely send a Field Representative to your home to interview you in person. This describes the visit and how you may respond to it.

  • Chapter 8: The Functional Capacity Evaluation

    Most insurance companies send claimants out for a Functional Capacity Examination, or FCE, to determine the claimant’s restrictions. This chapter describes the FCE process.

  • Chapter 9: The Insurance Company's Phone Calls to Your Doctor

    The adjuster assigned to your claim may have one of the insurance company’s physicians call one or more of your doctors. This describes what you should tell your doctors about these calls.

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Meet the Author

Nick Anthony Ortiz, Attorney-at-Law

Attorney Nick A. Ortiz is a Board Certified Disability Insurance Attorney. He represents long term disability claimants whose benefits have been wrongfully denied or terminated by LTD insurance companies such as Aetna, Unum, The Hartford, MetLife and more. Call the Ortiz Law Firm at 850-308-7833 to discuss your appeal rights today.

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