Physician Claims

If you’re a physician who has just been diagnosed with a potentially disabling condition, there are probably a lot of things running through your mind—how much longer can I practice? What if I hurt a patient due to my disability? What will the Board do? Will my malpractice insurance cover me if they discover what happened? How am I going to pay my bills if I can’t work? Am I ever going to be able to go back to work or is my disability policy going to be my only source of income?

Or maybe you’ve already filed your claim, and are concerned about a delay in payment or whether insurance companies’ surveillance or other aggressive investigation tactics are permitted under your policy. Maybe your insurance company initially approved your claim, but is refusing to acknowledge the permanent nature of your condition and is pushing you to return to work when you don’t feel that it safe to do so. Or you have a friend who just offered you a new job opportunity that you’d like to take, to keep yourself busy, but you’re not sure if your policy allows you to work. Or maybe your claim was just denied, and you’re wondering where do I go from here?

Ultimately, the answers to these questions largely depend on several factors, including your practice area, the nature of your condition, your insurer, when your policies were issued, and what the key definitions in your policy say, among other things. Regardless of where you are in the disability claims process, our firm is here to help. We’ve compiled the resources below for physicians who are interested in learning more about the disability claims process.

Physician Resources