Common Questions

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.

Collecting benefits can be a major challenge for professionals with “own-occupation” policies, as discussed in our clients’ testimonials. While we receive hundreds of calls each year, our business model is to accept no more than 10 new clients each year. As a result, we are able to devote substantial 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?

Please click here for a list of the professionals we represent, the disability insurance companies we file claims against and litigate against, and the types of claims our attorneys have handled.

Do you only represent professionals who have had their benefits denied or terminated?

No. While we do represent clients who have had their disability insurance claims denied or terminated, ideally, we consult with professionals from the moment they realize that they may need to file a disability insurance claim, work with them to ensure that everything is properly documented and submitted, and combat all bad faith tactics their insurance company may seek to engage in to save money at their expense.

Do you provide free consultations and how are you paid?

We provide free consultations. We do not charge by the hour. Instead, we enter into fee agreements that reward success and ensure that our interests and our clients’ interests are fully aligned. Accordingly, we thoroughly vet each potential disability claim before accepting representation and we do not charge for this evaluation.

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.