Disability Insurance Q&A:
How Should Doctors Approach Their Treating Physicians About a Disability Claim?

Question:  How should doctors approach their treating physicians about a disability claim?

Answer:  Your treating physician’s support can often be critical to getting your claim approved.  A hurried, uninterested physician may not have time to devote to your claim.  In addition, fully discussing your condition with a professional, compassionate treating physician will help ensure supportive medical records.  When to discuss your potential claim with a physician is an important timing issue.  Also, when the time comes to speak to the treating physician about the claim, a disabled dentist or doctor should ensure that the treating physician understands the definition of “disability” under the insurance policy, so that he or she can accurately opine as to the inability of the doctor or dentist to work.

Some of our previous blog posts on this important issue are available here and here.

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Disability Insurance Q&A:
Why Do So Many Doctors’ Claims Get Denied, and How Can a Law Firm Help?

Question:  Why do many doctors’ disability claims get denied, and how can a law firm help?

Answer:  Doctors’ and dentists’ disability claims can be expensive for insurance companies to accept.  The troubled economy and the rising number of disability claims filed by healthcare professionals have led to financial hardship.  This strain on resources creates an incentive for insurance companies to deny medical professionals’ claims.  Thus, many insurers closely scrutinize the terms of doctors’ and dentists’ policies in order to find ways to deny disability insurance benefits, as the long-term financial benefit to the insurance company is significant.

Our firm has years of experience in cases in which disability benefits have been rescinded based on alleged misrepresentation or non-disclosure in the original policy application.  We also have a strong history of prosecuting cases in which benefits have been denied based on the insurance company’s insistence that a dentist’s or doctor’s “subjective claim” doesn’t provide objective evidence of disability.

Further information on our law firm’s services and what you can expect when filing a disability claim is available on our website at this link.

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Disability Insurance Q&A:
What Does Your Firm Do To Help Doctors
File a Successful Claim for Disability Insurance Benefits?

Question:  What does your law firm do to help doctors file a successful claim for disability insurance benefits?

Answer:  From the beginning of the process, we help doctors, dentists and other professionals by analyzing complex claims applications and disability insurance policies and identifying potential coverage issues.  We have particular skill in documenting claims, completing claim forms, and communicating with treating physicians.  Once the claims process begins, we fiercely protect our clients against unreasonable delays and abuse by the disability insurer.  We also provide knowledgeable advice and practical guidelines on how to handle an independent medical examination or other testing that may be required by the disability insurance carrier.

Further information about what we do and what to expect is available on our website at this link.

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Disability Insurance Q&A:
When Should I Contact An Attorney About My Claim?

Question:  When should I contact an attorney about my claim?

Answer:  Doctors and dentists who are considering filing a claim for disability insurance benefits should meet with an attorney experienced in the area well before submitting a claim.  Each disability policy has different, complex language that insurance companies may manipulate to circumscribe and restrict coverage.  A physician or dentist should make a coordinated effort with an attorney’s assistance to determine whether a particular claim is covered, and if so, how that claim is best presented to ensure payment.

Coming soon, we will be distributing a monthly e-mail newsletter.  The newsletter will contain information not included on this blog, such as:

  • Detailed tips for filing disability insurance claims with various carriers;
  • Examples of best practices vs. worst practices when interacting with your insurer;
  • Updates on recent disability cases relevant to your claim or potential claim;
  • Specific answers to common questions, which newsletter recipients can submit anonymously; and
  • Information on lectures and classes you can attend to hear the firm’s attorneys speak about choosing disability insurance policies and filing claims.

If you are interested in subscribing (at no cost, of course), please sign up here:

Comitz | Beethe’s Disability Insurance Newsletter

Your name is not required.  Please rest assured that we will not use or distribute your e-mail address for any other reason.

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Disability Insurance Q&A: What is the Difference between “Own Occupation” and “Any Occupation” in Disability Insurance?

Question:  What is the difference between “own occupation” and “any occupation” in disability insurance?

Answer:  Most doctors purchase an “own-occupation” policy, which provides compensation following a disability that prevents the insured from performing his or her particular duties.  If an insured doctor or dentist does not have an “own-occupation” policy, he or she must be disabled from performing the duties of any occupation for which he or she is reasonably qualified in order to receive disability benefits.

Some disability insurance policies are a hybrid, providing own-occupation benefits for a limited period of time, and then converting coverage to the “any occupation” standard.

Some of our previous blog posts analyzing some of the potential loopholes that disability insurers will try to apply to an own-occupation policy can be read here and here.

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