Unlike many other professions, even the slightest injury or illness can end a doctor’s career. Insurance companies make a great deal of money selling disability insurance policies to doctors and other medical professionals such as dentists, chiropractors, nurses and veterinarians.
Filing a claim and obtaining disability benefits should be straightforward – unfortunately, this is not always the case. Resourceful tactics are historically used by the insurance provider to mislead or confuse claimants and thereby stage a denial of benefits.
- A doctor struggling with severe back injury faces a daily battle with her disability insurance carrier. After filing a claim, her insurance company paid disability benefits for 120 days. The claims handler then sent a letter terminating this doctor’s disability benefits, saying they found her to no longer be disabled.
- A surgeon, diagnosed with Parkinson’s Disease, is no longer able to operate on patients due to hand tremors. Yet his insurance provider denied his claim for disability benefits because it determined he was not “totally disabled” from his “own occupation” as defined by the disability insurance policy.
- A cardiologist, diagnosed with the onset of dementia, is denied long term disability coverage after a two-year payment period, with the explanation that his policy’s mental conditions limitation is limited to 24 month’s coverage.
In cases such as the examples above, wrongful denial or termination of doctors’ disability claims stand a good chance of being appealed and won.
Don’t let the insurance company manipulate you.
For every “reason” the carrier uses to deny a legitimate claim, we will reply in kind with a stronger, legal argument:
- Insurers will rely on the opinions of their in-house medical professionals as a basis for denial. These doctors may not be familiar with your condition or may fail to evaluate the totality of your impairment.
- Manipulation of the policy’s definitions of “disability” and “occupation” is one of many favored tactics used by insurance providers to deny benefits.
- Although the insurance company may seem to make a strong case against your claim for memory deficiency or Alzheimer’s, mental conditions are not always subject to restrictions or exclusion.
I could give you hundreds more examples. Unfortunately, many newly disabled doctors and medical professionals blindly accept their insurance company’s decisions to deny or limit benefits. Others try to take on the fight on their own.
Billion dollar insurance companies are accomplished and well-equipped in the art of containing costs and increasing profits. Insureds must be even more prepared in order to protect themselves. When doctor’s disability claims are denied, it is critical that they work with qualified legal counsel experienced in disability insurance law.
Call Disability Attorney Marc Whitehead with Your Questions
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Marc Whitehead and the attorneys at Marc Whitehead & Associates have decades of experience in disability insurance law, representing individuals with all types of disabling conditions.
We have earned a national reputation for prosecuting disability insurance claims on behalf of doctors against insurance companies that wrongly stonewall, deny or terminate legitimate disability claims. We have what it takes to handle the insurance company, help you prove your claim and secure the benefits you deserve.