Medical professionals are more likely to suffer from disabilities due to heavy workloads and stressful work environments. In spite of taking precautions with disability insurance, physicians are still prone to making mistakes that limit their benefits or force them to pay higher premiums without professional assistance. The doctor disability claim denial attorneys at the law […]
Category: Disability Insurance Claims
Physician Disability Insurance: What Doctors Need to know
Physician disability insurance is often overlooked. There are times when doctors are unable to work due to accidents or illnesses, regardless of their commitment to addressing other people’s health concerns. According to the AMA , a professional has a greater statistical probability of suffering a severe disability that impedes their ability to work, rather than […]
How to Write A Long Term Disability Appeal Letter
After an insurance company makes a decision to deny your disability claim, they will send you a letter informing you of their decision. The letter should tell you why your claim was denied, as well as how long you have to let them know that you intend to appeal their decision, and how long you […]
Does a Personal Injury Settlement Affect SSDI or SSI?
Will a personal injury settlement affect the SSDI or SSI monthly benefits you currently receive? Should you apply for Social Security disability benefits and pursue a personal injury claim at the same time? These are important questions, and for each form of Social Security benefit, the answer is different. For example, you’ve been seriously injured […]
Guide to Disability Insurance Taxation – Are Your LTD Benefits Taxable?
As disability attorneys, we cannot emphasize enough the problems disability insurance taxation can cause if you’re not prepared. Many claimants come to us who unfortunately have been caught by surprise when the IRS taxed their benefits. If you receive disability insurance benefits, you need to know whether the IRS says those LTD benefits are taxable […]
Why Was My Application For Congestive Heart Failure Disability Denied?
The Houston disability benefits lawyers at Marc Whitehead & Associates have helped individuals all across the nation obtain the disability benefits they need after the symptoms of congestive heart failure and other serious health conditions leave them unable to work. How Congestive Heart Failure Can Lead to Disability According to the Mayo Clinic, there are […]
How To Prove Your Disability Insurance Company Acted in Bad Faith
At Marc Whitehead & Associates, we’ve helped many clients prove bad faith after their claims are rejected by disability insurance companies. A business, home, auto, or individual disability insurance policy is a contract between a policyholder and an insurance company. With this contract comes an “implied covenant of good faith and fair dealing” between the […]
Are Demands Beyond Your Policy Grounds for a Bad Faith Claim?
Has the insurance company made undue demands for proof of disability that reach beyond the requirements your disability insurance policy? This is a common insurance denial tactic that preys on the threat of denial if the claimant does not submit to the insurer’s demands. The disabled claimant is made to believe that if they do not comply, […]
Insurance Code Violations Used to Deny Individual Disability Claims
Despite many professionals collectively spending millions annually on disability insurance premiums, many insurers still find ways to unfairly deny their coverage. One of these tactics is resorting to insurance code violations. State insurance codes or statutes regulate unfair insurance trade practices, and provide efficient legal remedies to those who were unfairly denied disability benefits from an individual […]
How to Sue an Insurance Company for Bad Faith
A disability insurance policy is a contract between the insurance company and the policyholder. The policyholder makes monthly payments to the insurance company; in exchange, the insurance company agrees to provide them with a source of income should they become too disabled to work. In the U.S., when two parties enter into a contract like […]