Ed Comitz’s Continuing Education course “Disability Insurance Roulette: Why is it So Hard to Collect on My Policy” is now available through Dentaltown. This CE is an electronically delivered, self-instructional program and is designated for 2 hours of CE credit. In this course, Ed discusses why it is so difficult for dentists to collect disability benefits and how to avoid the most common mistakes made by dentists when filing disability claims. Ed also covers the key provisions to look for in disability insurance policies and provides an overview of the disability claims process. Finally, the course discusses how disability insurance claims are investigated and administered, and identifies common strategies used by insurance companies to deny claims.
Information on how to register can be found here.
For more information regarding what to look for in a policy, see this podcast interview where Ed Comitz discusses the importance of disability insurance with Dentaltown’s Howard Farran.
A recent article by health insurance writer Allison Bell explains, from an insurance industry perspective, why the new administrative demands on health care professionals might lead to an increase in doctors facing disability:
[I]t seems reasonable to ask whether, for example, the new pressure to convert to electronic health records will lead to some physicians at small or understaffed practices to develop carpal tunnel syndrome and blurry vision from trying to enter, or at least, check, many of the records themselves. Will sleep deprivation related to an increase in workload cause or aggravate objective conditions, such as lack of exercise, obesity and high blood pressure, that will, in turn, lead to an increase in the number of doctors with disability insurance who suffer heart attacks. strokes and disabling car accidents?
The full article can be found here: Disability Insurance Observer: Angry Doctors.
Healthcare professionals: Do you think the push for electronic health records and the Patient Protection and Affordable Care Act will lead to an increase in disabled doctors?
When it comes to disability insurance, your treating physician’s support can be critical to getting your legitimate claim approved. If your doctor can’t provide adequate documentation of your condition or is reluctant to get involved, there is a much higher chance that your claim will be denied. However, fully discussing your condition with a professional, compassionate treating physician will help ensure supportive medical records. When you are involved in a disability insurance claim, it is important to understand how to approach your treating doctor so that he or she can help you.
When to discuss your potential claim with a physician is an important timing issue. Instead of trying to enlist your doctor’s help at the very first visit, you should wait to talk to your treating physician until after he or she knows you and your condition well enough to opine accurately as to your ability to work. It is vital that you develop a relationship of trust and confidence with your doctor before inviting him or her to assist you in your claim. hysicians are often reluctant to support claims for benefits if they question the motivations behind the claims. A physician who has treated, without success, the policyholder making a legitimate disability claim will be more willing to cooperate with the extensive process.
Birth defect or congenital disability? Fit, convulsion, or seizure? Quadriplegic, paraplegic, or person with a spinal cord injury? Midget, dwarf, little person, or person of short stature?
The Research and Training Center on Independent Living at the University of Kansas publishes and updates a pamphlet called Guidelines for Reporting and Writing About Disabilities that is a helpful reference manual for understanding and using preferred and accurate terminology when writing on the subject of disabilities.
While there is not complete agreement on which terms are preferred, the booklet has been adopted into the Associated Press Stylebook, reflects the input of over 100 national disability organizations, and has been endorsed by the AIDS Action Council, National Down Syndrome Congress, Bazelon Center for Mental Health Law, Brain Injury Association of America, Post-Polio Health International, the National Council for Independent Living and many others.
In addition to specific terminology, the manual provides some general guidelines, including:
- Do not focus on disability unless it is crucial to a story. Avoid tear-jerking human interest stories . . . Focus instead on issues that affect the quality of life for those same individuals . . .People with disabilities actively participate in their communities and can participate even more when portrayed just like anyone else in the community.
- Put people first, not their disability. Say woman with arthritis, a child who has a learning disability, or person with a disability. This puts the focus on the individual, not the particular functioning limitation. Labeling the person as the disability (for example, a quad) dehumanizes the individual and equates the condition with the person.
- Do not portray successful people with disabilities as heroic overachievers or long suffering saints. Even though the public may find these portrayals inspirational, these stereotypes raise false expectations that all people—with and without disabilities—should be such “super humans.”
- Avoid sensationalizing and negative labeling. Saying afflicted with, crippled with, victim of, or suffers from devalues individuals with disabilities by portraying them as helpless objects of pity and charity. It is more neutral to say an individual with AIDS than a person who suffers from AIDS. Similarly, do not use emotional descriptors such as unfortunate or pitiful.
- Emphasize abilities, not limitations. For example, uses leg braces or walks with crutches is more accurate thanconfined to a wheelchair or wheelchair bound.
- Bypass condescending euphemisms. Disability groups strongly object to the use of euphemisms to describe disabilities. Terms such as handicapable, differently abled, special, and challenged reinforce the idea that people cannot deal honestly with their disabilities.
- Maintain the integrity of each individual. Do not use words or phrases regarded as offensive.
- Do not imply disease when discussing disabilities that result from a prior disease episode. People who had polio and experienced after effects have post-polio syndrome. They are not currently experiencing the disease. Do not imply disease with people whose disability has resulted from anatomical or physiological damage…Reference to disease associated with disability is acceptable only with chronic diseases, such as arthritis, Parkinson’s disease, or multiple sclerosis.
Full copies of the brochure and posters are available at the RTCIL website.
In the wake of a number of complaints from passengers with disabilities, the Transportation Security Administration is planning to launch a toll-free disability hotline in January so that passengers with disabilities can call in advance if they anticipate needing extra assistance during security screening. In recent months, there have been numerous complaints, many from elderly women, alleging that TSA agents subjected them to strip searches because they were unfamiliar with the specialized medical devices the women were wearing.
Sen. Charles Schumer, D-N.Y. and New York State Senator Michael Gianaris made a request in a letter to U.S. Department of Homeland Security and TSA officials for passenger advocates to be trained and familiarized with various medical conditions and medical devices so that they can provide “alternative methods for addressing the needs and concerns of elderly, disabled and other vulnerable passengers.”
Senator Schumer further said:
While the safety and security of our flights must be a top priority, we need to make sure that flying does not become a fear-inducing, degrading and potentially humiliating experience. Right now, passengers who feel that their rights are about to be violated have nowhere to turn, but by training passenger advocates at each of our airports, the TSA can finally give passengers a voice.
TSA has not commented on the proposal but issued a statement reminding the public that customer service representatives are available at most airports. The TSA currently offers Tips for the Screening Process on its website as well as other more detailed information, and we will be reviewing some of the other regulations for passengers with disabilities in subsequent blog posts.
UPDATE: The TSA Cares hotline designed to assist travelers with disabilities and medical conditions has now been launched. It is recommended that those traveling with special medical needs contact the hotline at least 72 hours in advance of their arrival at the airport with questions about screening policies, procedures and to coordinate getting through the security checkpoints. The TSA Cares toll-free hotline number is 1-855-787-2227, and its hours of operation are Monday through Friday 9:00 a.m. to 9:00 EST, excluding federal holidays.
Many of the questions surrounding a disability insurance claim depend on the language in your policy. Thus, the first step to a successful claim is getting a copy of that policy. Though it is always important to keep a copy of the policy and any related documents, sometimes policyholders forget to do so, they lose the document, or the papers become accidentally damaged.
The simplest way to get a copy of your policy is to call or send a letter to your insurance company directly. You can search for your disability insurer’s phone number and address on the Arizona Department of Insurance website. The insurer may require you to pay a minor fee, but they will send you a copy.
Once you receive your copy, check to make sure it is actually yours and that no pages are missing or damaged. If you have questions about the provisions in the policy or filing a claim, you can bring your copy to a disability insurance attorney who can help interpret it and guide you through the claims process.
THE WHITE HOUSE
the Press Secretary
Office of the Press Secretary
For Immediate Release October 14, 2011
BLIND AMERICANS EQUALITY DAY, 2011
– – – – – – –
BY THE PRESIDENT OF THE UNITED STATES OF
Generations of blind and visually impaired Americans have dedicated their passion and skills to enhancing our national life — leading as public servants, penning works of literature, lending their voice to music, and inspiring as champions of sport. On Blind Americans Equality Day, we celebrate the achievements of blind and visually impaired Americans and reaffirm our commitment to advancing their complete social and economic integration.
My Administration is dedicated to ensuring Americans with disabilities have every opportunity to reach their full potential. Last year, I signed the Twenty-First Century Communications and Video Accessibility Act to set new standards that enable people living with disabilities to access broadband, digital, and mobile innovations. To help level the playing field for employment, we are working to improve the Federal Government’s compliance with Section 508 of the Rehabilitation Act. Making electronic and information technology 508 compliant will give applicants with disabilities a fair chance and allow employees with disabilities to use necessary tools while on the job. By taking these steps, my Administration reaffirms its pledge to openness by making sure that people with disabilities can better access all the information the Federal Government has placed online.
This year also marks the 75th anniversary of the passage of the Randolph-Sheppard Act. For decades, the legislation has provided openings for blind Americans to work as vendors on Federal property, creating meaningful entrepreneurial opportunities and enabling them to contribute to our economy. These jobs have enriched the lives of those participating in the Randolph-Sheppard program and enhanced public understanding of blindness for those who have interacted with the program’s vendors.
Though we have made progress in the march to equality for the blind and those with low vision, there is still more work to be done. In addition to improving access to technology and employment opportunities, this January, I signed the Pedestrian Safety Enhancement Act. This landmark legislation requires electric and hybrid car manufacturers to add sounds to alert all pedestrians to the presence of these unusually quiet vehicles. These provisions will help increase the safety and independence of blind and visually impaired Americans.
By joint resolution approved on October 6, 1964 (Public Law 88-628, as amended), the Congress designated October 15 of each year as “White Cane Safety Day” to recognize the contributions of Americans who are blind or have low vision. Today, let us recommit to forging ahead with the work of perfecting our Union and ensuring we remain a Nation where all our people, including those living with disabilities, have every opportunity to achieve their dreams.
NOW, THEREFORE, I, BARACK OBAMA, President of the United States of America, do hereby proclaim October 15, 2011, as Blind Americans Equality Day. I call upon public officials, business and community leaders, educators, librarians, and Americans across the country to observe this day with appropriate ceremonies, activities, and programs.
IN WITNESS WHEREOF, I have hereunto set my hand this fourteenth day of October, in the year of our Lord two thousand eleven, and of the Independence of the United States of America the two hundred and thirty-sixth.
In an interview with the Los Angeles Times music blog Pop & Hiss, musician Stevie Wonder talked about the late Steve Jobs and how his innovations at Apple were designed to be accessible to persons with disabilities. Wonder told the L.A. Times:
The one thing people aren’t talking about is how he has made his technology accessible to the blind and deaf and people who are quadriplegics and paraplegics. He has affected not just my world, but the world of millions of people who without that technology would not be able to discover the world. His company was the first to come up with technology that made it accessible without screaming out loud, ‘This is for the blind, this is for the deaf.’ He made it part of the actual unit itself; there were applications inside the technology that allowed you to use it or not use it. The iPhone, iPad touch, iPod touch, all these things, even now the computer, are accessible to those who are with a physical disability.
Wonder further paid tribute to Jobs’ inclusion of the disability community by stating:
In another sense, he has given the blind eyes to see the world, the deaf ears to hear the world. . . Truly [he’s been] a blessing for those of us who’ve needed that kind of technology to do more things, to be part of this world, to be in this millennium. I’m just hoping that his life and what he did in life will encourage those are living still and those who will be born . . . to do what he has done and not making the whole concept so complicated that people can’t use it — you just make it one of your applications, it’s in your technology. That will then create a world that will be accessible to anyone with any physical disability. . .
The full interview with Stevie Wonder can be read here.
When a disability insurance company is fighting a claim, it will often agree to pay benefits – but with a “reservation of rights.” This is a particular problem for doctors, dentists, and other professionals whose claims are common targets for denial. It is important to understand what this phrase means and how it can impact a legitimate disability claim.
When an insurer pays a claim under a reservation of rights, it is essentially providing a provisional payment. Though the insurance company may be sending you a check, it is not admitting that it actually has any liability under the policy. Instead, it is “reserving the right” to stop paying your claim if it can find evidence to deny it later. Once the company denies your claim, they can also demand you to repay them whatever proceeds they have distributed to you.
This practice is good for the insurance company, as it buys it extra time to investigate – and often later deny – a claim without putting it at risk of violating the laws against undue delay in payment. However, because the insurance company can still investigate the claim and then demand full repayment at any moment, the reservation of rights provides no peace of mind for the policyholder. Fortunately, a disability insurance attorney can protect you from this uncertainty by properly presenting your claim and thoroughly monitoring the insurance company’s actions to reach a beneficial result.