At Marc Whitehead & Associates, we understand how an unexpected illness or injury can disrupt a doctor’s career and lead to financial hardship. If your claim has been denied, an Austin denied doctor disability claim lawyer from our firm is ready to assist you.
Many physicians have Long Term Disability (LTD) coverage through private policies or employer benefit plans. However, facing a denied claim can feel overwhelming without the right support.
With over 120 years of combined experience, our team at Marc Whitehead & Associates is here to help. An Austin disability lawyer from our firm will guide you through the process, making sure you receive the benefits you deserve. Reach out to us today for assistance.
Medical Professionals at Risk for Disability Benefit Denials
Our lawyers are dedicated to helping medical professionals across various fields who face disability benefit denials. We support individuals in the following professions:
- Radiologists
- Surgeons
- Dentists
- Nurses and Nurse Practitioners
- Chiropractors
- Medical Doctors (M.D.)
- Physician Assistants
- Osteopathic Doctors (D.O.)
- Psychiatrists
If you’ve been denied disability benefits, our team is ready to provide the guidance you need. Our Austin denied doctor disability claim attorneys are here to help healthcare providers fight for the benefits they’ve earned.
For a free legal consultation with a denied doctor disability claim lawyer serving Austin, call 800-562-9830
Challenges with Long Term Disability Claims
Filing a Long Term Disability claim can be a frustrating experience, especially for doctors and healthcare professionals. Insurance companies often look for ways to minimize payouts, leading many to wonder why a Long Term Disability is denied even when premiums have been consistently paid.
Common reasons for denial include policy interpretation issues or insufficient documentation. Unfortunately, even highly skilled medical professionals may find it difficult to manage a disability appeal on their own.
Our attorneys are here to step in and help. We provide the support and guidance needed to challenge these denials and work toward securing the benefits you deserve.
Austin Denied Doctor Disability Claim Lawyer Near Me 800-562-9830
Common Reasons Doctors Face Denied Long Term Disability Claims
Insurance companies often collect high premiums from doctors but hesitate when it comes to paying out Long Term Disability (LTD) claims. To avoid payouts, they frequently deny claims for healthcare professionals, citing various reasons.
Some typical reasons for denial include:
- Insufficient medical evidence to prove your disability.
- Your condition doesn’t meet the policy’s definition of “disability.”
- You’re still able to perform certain tasks, so you’re not seen as “totally disabled.”
- You’re deemed capable of working in another field.
- Independent medical experts disagree with your doctor’s findings.
Doctors can face unfair treatment in these situations. If your LTD claim has been wrongfully denied, our denied doctor disability claim lawyers in Austin are here to help fight against these practices.
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Doctor Disability Claim Denials and “Own Occupation” Policies
Many doctors, including MDs, DOs, surgeons, and dentists, purchase “own occupation” disability policies to protect their income if they’re unable to work in their specialized field. These policies provide a safety net when a medical professional can no longer perform their specific duties.
The key lies in how “disabled“ is defined in the policy. “Own occupation” policies generally cover you if you can no longer carry out the main tasks of your specialty. However, denials often occur because insurers interpret the policy’s definition of your occupation too broadly.
Sometimes, claims adjusters overlook the specific nature of your specialty when denying a claim. Improper interpretation of policy wording can unfairly strip away the protections you paid for.
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A Case of Denied Doctor Disability Insurance Claim
Insurance companies often use the Department of Labor’s databases, like the Dictionary of Occupational Titles (DOT) and O*Net, when reviewing disability claims from doctors.
Professions such as pediatricians, ophthalmologists, and dentists are classified as “light” occupations, meaning they involve standing and walking. However, these broad descriptions don’t always reflect the actual demands of a doctor’s role.
Misinterpreting Disability Claims
In one case, a pediatrician bought “own occupation” disability insurance specific to his practice. After becoming disabled, he couldn’t perform surgeries but could still handle consultations.
The insurer denied the claim, stating he could still work in his occupation. This manipulation of policy definitions is a common strategy insurers use to deny legitimate claims.
Don’t Let the Insurance Company Take Advantage of You
When an insurance company denies a legitimate claim, we respond with strong legal arguments to counter their tactics:
- Insurers often use the opinions of their own doctors, who may not fully understand your condition or its impact on your daily life.
- They frequently manipulate policy definitions of “disability“ and “occupation“ to limit or deny benefits.
- Even if they present a solid case against mental health claims, conditions like Alzheimer’s or memory loss aren’t always subject to exclusions.
- Companies may accuse claimants of exaggerating their disability if their internal medical team can‘t find solid evidence for denial.
Our Austin denied doctor disability attorneys aim to oppose unfair practices and fight for your rights.
Tailored Service for Your Needs
We are dedicated to your claim and have structured our services to fit your unique situation. Here’s what we promise:
Focused Support
You are not just a case number. We provide personalized service, offering direct consultations, frequent updates, straightforward advice, and open communication to guide you through every step.
Thoughtful Case Selection
We are selective about the cases we handle, allowing us to focus our full efforts on each client. When we take your case, it means we’re fully committed to pursuing the best possible outcome.
Results-Based Representation
With most disability appeals, we work on a contingency fee basis, meaning you pay nothing upfront. We are only compensated when we win, so our success depends on yours.
Get Support from an Austin Denied Doctor Disability Claim Lawyer
When your disability claim is denied, it can be a stressful and frustrating experience. As a doctor, your livelihood depends on the benefits you’ve worked hard to secure. Taking quick action is key to protecting your financial future and well-being.
An Austin denied doctor disability claim lawyer at Marc Whitehead & Associates is here to assist you. We have the knowledge and experience to stand up to insurance companies and fight for the outcome you deserve.
Let Marc Whitehead & Associates help you get the benefits you paid for, providing the support and guidance needed during this frustrating time, so you can focus on what matters most—your health and your future.
Call or text 800-562-9830 or complete a Free Case Evaluation form