The complex nature of many medical procedures means that even a minor disability can prevent a medical professional from performing their job duties. If you’ve submitted a disability claim due to an injury or illness that has left you unable to do your job, and your claim was denied, an experienced denied doctor disability claim lawyer in Lubbock can help.
At Marc Whitehead & Associates, we recognize the difficulties you face when a disability interferes with your ability to earn a living. If you can’t work, you deserve to collect the disability benefits you are entitled to for financial security.
Our Lubbock disability lawyers will leverage our 120+ years of combined experience on your behalf. Call today to set up a free case evaluation.
What an Experienced Lubbock Denied Doctor Disability Claim Attorney Can Do to Assist You
If your insurer denied your disability claim, securing experienced legal representation is crucial for obtaining the benefits you deserve.
Insurance companies are adept at managing these claims and often exploit loopholes to deny or reduce payouts. This is why enlisting a legal professional is vital to ensure a fair process.
When you work with a denied doctor disability attorney from our firm, they will take multiple steps to protect your rights and secure the benefits owed to you. Your lawyer will conduct a thorough investigation of your case and gather evidence to prove:
- The seriousness of your disabling condition, backed by independent medical assessments
- The physical and cognitive demands of your medical specialty
- Your eligibility for insurance benefits, having met all the conditions of your policy
- That your disability keeps you from performing the essential duties of your job as outlined in your insurance policy
- Any acts of bad faith or unfair practices employed by your insurer in denying your claim
If your disability claim has been denied or your insurer has stopped paying your benefits, our experienced team is prepared to fight for you. We will construct a compelling case for your appeal, supported by evidence demonstrating the validity of your claim and your entitlement to benefits.
Our denied doctor disability attorneys in Lubbock are committed to safeguarding your rights and ensuring your financial future is secure.
For a free legal consultation with a denied doctor disability claim lawyer serving Lubbock, call 800-562-9830
How Your “Own Occupation” Insurance Policy Is Meant to Protect You
Even a minor tremor in your hand or another slight disability can prevent a doctor from fulfilling their professional duties, which is why many physicians choose to invest in private “own occupation” disability insurance. These policies are designed to protect policyholders who are unable to perform the duties associated with their specialty.
Unfortunately, insurance companies often distort the meaning of “own occupation” to help them deny valid claims. They may assert that you can still perform other duties within your broader profession, even if you can no longer carry out the specific tasks associated with your specialty.
For example, they might argue that you are capable of conducting patient consultations, overseeing other physicians, or completing administrative tasks, even if your profession is as a surgeon and you can no longer perform surgery.
Your insurance policy is not meant to push you into a consulting or administrative position. We are here to help ensure your rights are upheld.
Lubbock Denied Doctor Disability Claim Lawyer Near Me 800-562-9830
Founding Partner, Marc Whitehead, Is Double Board-Certified
Marc Whitehead is certified by both the Texas Board of Legal Specialization in Personal Injury Trial Law and the National Board of Social Security Disability in Social Security Disability Law.
He founded Marc Whitehead & Associates in 1992, focusing the firm exclusively on disability cases and advocating for the rights of injured individuals. We have extensive experience holding insurance companies accountable and assisting our clients in obtaining the benefits necessary for their financial well-being.
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Common Reasons Insurers Give for Denying Doctor Disability Claims
Insurance companies often employ various tactics to deny legitimate claims or undervalue them to minimize the amount they have to pay. Insurance adjusters frequently use unethical strategies to avoid compensating you, even if you have consistently paid into your policy for years.
Our skilled denied doctor disability lawyers serving Lubbock are familiar with the methods insurance companies use to manipulate claimants and have developed effective strategies to counter them. Some common tricks used by insurers include:
- Utilizing broad descriptions of your occupation that fail to accurately represent the specific physical demands of your medical specialty
- Broadening the definition of your “own occupation” to include tasks that are not central to your role
- Offering benefits for only a limited duration despite the ongoing nature of your disability
- Having their own doctors evaluate your injury, who may provide biased assessments that downplay your impairments and limitations
- Asserting that your inability to work is due to a pre-existing condition, potentially excluding you from coverage
- Putting pressure on claimants to accept lower benefits than they are entitled to receive
An experienced denied doctor disability attorney serving Lubbock can help fight these tactics. Your lawyer will gather compelling evidence that supports your disability claim, including evaluations of your medical condition by medical professionals who can accurately define your “own occupation,” ensuring you receive the benefits you deserve.
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Reach Out to an Experienced Denied Doctor Disability Lawyer Serving Lubbock Today
When you submit a valid disability claim, you should receive the benefits you have been paying for as part of your insurance policy. At Marc Whitehead & Associates, our firm is dedicated to disability claims, and we will strive to ensure that the insurance company fulfills its obligations to you.
Call us today to arrange a free case review with a member of our legal team. You can also explore our client testimonials to learn more about the quality of service we provide.
Call or text 800-562-9830 or complete a Free Case Evaluation form