Tag Archives: ed comitz

Ed Comitz Named as Top Lawyer in Field of Insurance Law


Ed Comitz, one of the firm’s founding members, was recently named as a Top Lawyer in the field of insurance law in Phoenix Magazine’s special, 50th Anniversary Issue.

Mr. Comitz’s practice primarily focuses on helping physicians and dentists secure private disability insurance benefits.  Mr. Comitz and the legal team at Comitz | Beethe also represent doctors in several other areas, including practice transitions, employment law, business litigation, estate planning, regulatory compliance, and licensing issues.

All About Disability Insurance with Dentaltown’s Howard Farran DDS, MBA

Edward Comitz is talking about disability insurance with Howard Farran, the founder and publisher of Dentaltown Magazine. Ed will be discussing why and when to buy disability insurance and what to avoid or look for when you do.

Edward Comitz Named as an Arizona Business Leader in Healthcare Law

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Edward O. Comitz, the head of the healthcare and disability insurance law practice at the Scottsdale law firm of Comitz | Beethe, has been selected as an Arizona Business Leader in the area of Healthcare Law.  According to the editor in chief, Arizona Business Magazine made its final selections from a pool of over 5,000 of “the best and brightest Arizona business leaders in healthcare, real estate, construction, education, banking, financial services and law.  Over the course of more than two dozen meetings, that list of 5,000 leaders under consideration was pared down to about 500 names, which the selection panel considered to be the most influential leaders in their industries, broken down into categories.”

Other Arizona leaders named in 2015 include U.S. Senator John McCain, Phoenix Mayor Greg Stanton, and sports executive and former owner of the Phoenix Suns, Jerry Colangelo.

Ed Comitz Presenting Course “Disability Insurance: Will It Be There When You Need It?” at Western Regional Dental Convention on Friday April 4 and Saturday April 5, 2014

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Attorney Ed Comitz, the head of Comitz | Beethe’s healthcare and disability insurance practice, will be giving a presentation called “Disability Insurance:  Will It Be There When You Need It? Choosing Policies, Pursuing Benefits and Litigating Claims” on April 4th (Course Code F08) and April 5th (Course Code S06) at 8:30 a.m. at the Western Regional Dental Convention in Phoenix, Arizona.  The course is worth three CE credits for dentists who attend.  Registration information is available on the Western Regional Dental Convention’s website.

Comitz | Beethe is also an exhibitor at the dental convention.  Please feel free to stop by our Booth 537 (directly across from the Internet Cafe) if you have questions about your disability insurance policy or claim.

Ranking Arizona Names Comitz | Beethe #1 for the Second Year in a Row

Comitz | Beethe has been named the #1 Arizona Law Firm with 24 or fewer attorneys by Ranking Arizona: The Best of Arizona Business for the second year in a row.

Ranking Arizona is an annual publication of Arizona Business Magazine.  Every year, Arizona Business Magazine compiles a list of the top companies in the state in various categories, including professional services such as accounting, real estate, and law.  The final rankings in each category are selected by Arizona residents, who vote for the firms they most recommend.

In addition, Edward Comitz, head of the firm’s healthcare and disability insurance practice, and Patrick Stanley, another Comitz | Beethe member that focuses his practice on disability insurance claims, were both named Top Healthcare Attorneys in Ranking Arizona‘s individual rankings.

May is Disability Insurance Awareness Month — A Good Time To Ask Yourself If You Can Collect on Your Disability Insurance Policy

May 2011 is Disability Insurance Awareness Month.  While the insurance industry likes to increase awareness of purchasing disability insurance, medical professionals who long ago purchased disability insurance and have been paying premiums on disability policies for many years may opt to instead raise their awareness of the obstacles they are likely to encounter should they ever need to make a claim on their disability insurance policy.  The article below by disability insurance attorney Edward O. Comitz provides some food for thought.


By: Edward O. Comitz, Esq.

You have practiced medicine for your entire career. Your spouse and children rely on you, and you have numerous financial obligations. The stress and trauma of a disability can cause you significant problems. To protect yourself in case of total or partial disability, you have purchased disability insurance.

Unfortunately, you suffer an injury or become so ill that you cannot continue your practice, and you then file a claim with your insurance agent. Of course, you expect it to be honored. Instead, shortly thereafter, you are contacted by an insurance adjuster, not your agent. Unlike your agent, the insurance adjuster is hostile; the questions he asks imply that you are malingering. You try to be cooperative, providing the insurance adjuster with the additional information he requests, but again your claim is denied. Adding insult to injury, you learn from the adjuster that the insurance company has secretly videotaped your activities and, based on the tapes, believes that you are not disabled at all. Dumbfounded by the insurance company’s response, you ask yourself if there is anything that you can do to make the insurance company pay the benefits it promised. The answer is yes.

Typically, the type of policy that medical and dental professionals purchase is what is known as an “own occupation policy.” Such policies provide compensation following a disability that prevents the insured (the person who purchased the policy) from performing the particular duties of his or her profession. Thus, the insured may be entitled to benefits even if he or she could in fact perform work of a different nature. For example, if a surgeon purchases an “own occupation policy” and severely injures his hand, but could nevertheless perform some or all of the duties of a general practitioner, the surgeon is considered disabled under an “own occupation policy” and entitled to benefits.

Disability provisions greatly vary in the language used, and coverage is often circumscribed and restricted by qualifying words and phrases. Accordingly, each policy of insurance must be individually reviewed to determine whether a particular claim is covered. What may appear to be an “own occupation policy” could in fact be an “occupational policy” if “total disability” is defined to include the insured’s inability to perform “all” duties or “every” duty pertaining to the insured’s occupation. In such a case, the insured may not be entitled to benefits if he or she can perform comparable employment for which the person is suited by education, experience and physical condition. Continue reading May is Disability Insurance Awareness Month — A Good Time To Ask Yourself If You Can Collect on Your Disability Insurance Policy

Are Non-Competition Agreements Enforceable or Not?

Ed Comitz, disability insurance attorney at Comitz | Beethe, recently had his article “Are Non-Competition Agreements Enforceable or Not?” published in the Winter 2010 edition of AzMedicine, the publication of the Arizona Medical Association for healthcare professionals.

Mr. Comitz’s full article, regarding the advantages and disadvantages of non-competition agreements, is available here:  AZMedicine Winter 2010 – article

Disability Insurance: Who Gets Denied?

Answer:  Individuals with neck and back pain.

Musculoskeletal disorders make up 23 percent of new disability claims each year, says the Council for Disability Awareness, an insurance industry trade group.  You can expect extra scrutiny if you file a claim, says Arizona disability attorney Ed Comitz.   The challenge with musculoskeletal claims  is that there may be  little objective evidence to verify the pain.   Most insurers conduct surveillance on individuals with neck and back problems, attempting to portray them in the worst light notwithstanding the varying nature and severity of pain.

Claim Analytics, a provider of predictive modeling solutions to the insurance industry, published the results of its “2010 Long Term Disability Benchmarking Report.”  The results show significantly varying results (a 22% difference) when it comes to dealing with claims,especially those based on back injuries.  According to Claim Analytics, this reflects on the claim management practices employed by each carrier, and specifically how different carriers treat back pain.

The 10 Biggest Legal Mistakes Physicians Make When Filing a Disability Claim (Mistake #10)

In this series of posts, we have counted down the The 10 Biggest Mistakes Physician Make When Filing a Claim for Disability, as written about in disability attorney Ed Comitz’s article of the same name, published by SEAK, Inc., 2005.

MISTAKE NO. 10:  Tossing Out Application, Policy, and Claims Documents

From the time of application forward, physicians should keep copies of everything (including notes from meeting with the insurer’s sale representative or agent, the policy application, and the policy itself).  If the sales representative provided a letter or verbal representation that the physician jotted down, those notes can go a long way if the insurer says that the policy says something different.  Similarly, information that the physician provided on the application may have a bearing on his or her reasonable expectations at the time of purchase.

Action Step:  Physicians should keep all of the disability insurance papers and notes in an organized file.

In Today’s Uncertain Financial Environment, How Difficult Will It Be for You to Collect on Your Disability Policy?

Attorney Ed Comitz’s article “In Today’s Uncertain Financial Environment, How Difficult Will It Be for You to Collect on Your Disability Policy?” was recently published in the July/August 2010 edition of  The Journal of Medical Practice Management.   The full article is indexed in Medline and can also be read here: How Difficult Will It Be For You to Collect