Who do you represent?
We exclusively work with professionals (primarily physicians, dentists, and other attorneys), helping them collect rightful benefits under their private, “own-occupation” disability insurance policies. Our firm is nationally regarded for our unparalleled track record in securing benefits for our clients.
We have handled claims with all of the major disability insurance companies and are well-known in the disability insurance industry. We are selective and limit the number of cases we take, to ensure that we are able to devote time, resources and energy to each individual client in order to secure their rightful benefits.
Have you handled disability claims involving my profession/insurance company/medical condition?
Do you only represent professionals who have had their benefits denied or terminated?
Do you provide free consultations and how are you paid?
What are my odds of collecting benefits if I file a disability claim?
“Own-occupation” disability claims filed by professionals are especially targeted for denial/termination by insurance companies due to the significant liability that a professional’s long-term disability claim poses.
While your odds of collecting will vary depending on your profession, the nature of your condition, your insurance company, and the terms of your policy, generally speaking it is difficult for professionals to collect benefits on their own if they have a chronic, slowly progressive condition or a condition that is not completely objectively verifiable. Other factors that often make it harder for professionals to collect include continuing to work post-diagnosis, reducing work hours or stopping certain procedures, or modifying their occupation by working in other capacities prior to filing a claim. Additionally, newer (post-2000) disability policies are much more complex and stringent, and make it much harder to collect if you do not have a full understanding of what the disability claims process entails.
That being said, it is possible to collect if you have a legitimately disabling condition and have a thorough understanding of your condition, your policy’s requirements and the industry tactics aimed at improperly denying your claim. Most professionals seek the assistance of experienced counsel. Our attorneys’ experience and preparedness gives us an advantage in knowing what really matters on a claim, and what makes the difference between collecting or not collecting disability insurance benefits.
Other Common Questions
- What should I expect when filing a disability claim?
- What issues am I most likely to face handling my disability insurance claim alone?
- Why are disability insurance claims made by physicians, dentists and other professionals especially targeted for denial or termination?
- My disability claim was just denied. What should I do now?
- What can my insurance company do when it is investigating my claim?
- Do insurance companies conduct surveillance and, if so, when are they watching?
- Why does my insurer want to conduct a field interview?
- How can I tell if I have a true own-occupation policy?
- What are the different types of disability policies?
- What should I look for in a disability insurance policy?