For medical professionals like doctors, dentists, surgeons, and nurses, even a minor injury or illness can jeopardize their ability to continue practicing. As specialized occupations, the physical and mental demands are extremely high.
However, obtaining approval for legitimate doctor disability claims is often an uphill battle against insurance companies motivated to minimize payouts. They employ tactics to deny or terminate your benefits. A denied or underpaid claim can be financially devastating.
The Houston disability lawyers of Marc Whitehead and Associates know how to combat these tactics. Our denied doctor disability claim lawyers in Houston can make all the difference in ensuring you receive the financial support you need during such a difficult time.
More on “Own Occupation” Policies
Most physicians purchase private “own occupation” disability insurance policies. These are meant to provide income protection if they become unable to perform the core duties of their specific medical specialty – whether that’s surgery, treating patients, interpreting test results, etc.
However, insurance companies frequently try to narrowly define “own occupation” in a way that allows them to deny claims. For example, they may say a surgeon who can no longer perform operations is still capable of some job duties like reviewing records or providing consultations, and therefore not totally disabled.
Our lawyers fight against these underhanded redefinitions. We obtain clear statements from your treating doctors describing exactly why your medical condition prevents you from practicing your true Own Occupation as it was intended to be covered.
For a free legal consultation with a denied doctor disability claim lawyer serving Houston, call 800-562-9830
Why Doctor Disability Claims Are Frequently Denied
Insurance companies will go to great lengths to avoid paying doctor disability claims, including:
- Narrowly defining your “own occupation” as being able to do some duties rather than the key tasks of your specialty
- Citing general occupational descriptions that don’t accurately cover the physical demands of your specific medical field
- Relying on in-house doctors who provide biased opinions minimizing your impairments and restrictions
- Alleging your inability to work is due to pre-existing conditions excluded from coverage
- Terminating benefits after a brief period despite your ongoing disability
You purchased a physician’s disability policy to protect your income and way of life. Don’t let the insurance company take that away through underhanded denial tactics.
Houston Denied Doctor Disability Claim Lawyer Near Me 800-562-9830
Experienced Houston Denied Doctor Disability Claim Lawyers
Our Houston denied doctor disability claim attorneys have a clear record of success standing up to major insurance carriers and winning claims for U.S. physicians in all medical specialties.
We understand these companies’ bad faith practices and we have built the strategies to forcefully counter them.
Our legal team builds cases that prove:
- You can no longer perform the material and substantial duties of your own medical occupation as defined in your specific policy
- The true physical and cognitive demands of your doctor specialty based on established resources
- The severity of your impairments and restrictions, based on evaluations from independent, highly qualified medical experts
- You have satisfied all terms, conditions, and requirements of your policy to receive benefits
Whether your initial claim was denied or existing benefits were terminated, we can mount an aggressive appeals campaign backed by indisputable medical and occupational evidence to enforce your doctor’s disability coverage.
Too much is at stake for your career and financial future to accept an unjust denial.
Click to contact our Houston Disability Lawyers today
Double Board Certification: Your Advantage in Disability Claims
Marc Whitehead’s credentials set him apart in effectively representing denied or delayed disability insurance claims. He is double Board Certified in Personal Injury Trial Law Texas Board of Legal Specialization and in Social Security Disability Law at National Board of Social Security Disability Advocacy.
Board certification demonstrates Marc’s extensive experience, continuing education, public commitment to excellence, and passing of rigorous exams in each specialty area.
When battling major insurance companies, you want an attorney with the legal insight and experience necessary to overturn denied claims and maximize the benefits you are rightfully owed.
Complete a Free Case Evaluation form now
Committed to Service
We are committed to your claim and we have designed our service with you in mind. You can expect:
Personalized Attention
You are much more than just another case number to us. We are proud to deliver genuinely personalized service, including one-on-one consultations, frequent case updates, candid advice, and an open line of communication.
Your disability challenge is our priority, and you can expect our full engagement from start to finish.
Selective Approach
We are judicious in determining which disability denials we take on to ensure you receive our full capabilities.
Rest assured, if we accept your case, it has our complete confidence and we will devote every available resource and effort towards achieving a favorable outcome for you.
Contingency-Based Representation
For most disability appeals, we work on a contingency fee basis, meaning you pay no upfront costs or retainers. Our fees are only paid when we succeed in recovering the disability benefits you are owed. We assume all the financial risk to align our interests in winning your case.
Contact a Houston Disability Denial Law Firm for a Free Case Evaluation Today
You deserve to have your legitimate disability claim approved, not denied through underhanded insurance company tactics. At Marc Whitehead & Associates, our Houston denied doctor disability lawyers know how to counter these practices.
We work to build meticulous, air-tight cases that compel insurers to provide the disability benefits you are rightfully owed under your physician’s disability protection policy. Don’t allow a devastating claim denial to jeopardize your medical career and financial future.
Contact us today for a free, no-obligation consultation on appealing your denied claim. We do not get paid unless we recover your benefits.
Call or text 800-562-9830 or complete a Free Case Evaluation form
