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Insurers may use vocational exams in their strategy to deny disability claims for medical professionals. The evaluation involves a vocational expert, or analyst, who will assess your residual functional capacity (RFC), skills, aptitude, and other occupational demands. The vocational assessment further helps the insurer “decide” what occupations you can still do despite your impairment, and …
Disability insurance policies are based on the concept of total disability and residual disability. How these terms are defined and interpreted have great impact on claims filed by surgeons, dentists, nurses, chiropractors, and others who literally use their hands in precision movements, their bodies in chiropractic adjustments, or spend hours holding tiring postures through complex …
A common tactic used by insurance companies to deny or reduce doctors’ and dentists’ disability benefit payments is by reclassifying a specialty practice as generalist. Does your LTD policy protect the income you make in the specialty or sub-specialty you practice in? If so, do not let your guard down believing that your policy can …
The purchase of a surgeon’s long term disability insurance policy is an important part of a financial plan. These policies generally involve the concepts of total disability coverage and residual disability coverage. Should disability happen, how these and other terms are construed by the insurance company can often undermine a valid long term disability benefits …
Many of our clients are dedicated individuals who, as general duty or advanced practice registered nurses, provide vital care to patients in hospitals, nursing homes, clinics and other health care facilities. Disability insurance for nurses serves to replace significant lost income in the event a medical condition prevents him or her from fulfilling their role …
Specialty riders are optional provisions of a disability insurance policy. Riders are purchased separately from the insurance company’s base policy to give additional protection to the insured. The extent to which the disability policy will protect a physician, chiropractor or dentist in any given situation may be decided by the specialty riders added to the …
LTD Claim Representation for Dental, Medical, Chiropractic Practitioners Own occupation disability insurance covers physicians against the inability to pursue their specialized daily line of work. The provision is a key feature of income insurance protection for skilled medical professionals. The language and terms used by an insurance company to define “disability” is the most important …
Any Occupation disability insurance coverage generally means you are considered disabled if you are unable to work in any gainful occupation for which you are reasonably qualified. More specifically, the “any occupation” definition of disability considers all occupations or employment which you could reasonably be expected to perform in light of your age, education, training, …
Of all disability insurance denial tactics, especially egregious is when the insurance company denies a legitimate LTD claim based on false allegations of feigning disability. Also known as malingering, insurers may claim that a medical professional is being dishonest about their disability for the purpose of collecting disability insurance payments. Claims of feigning disability imply …
