It can be devastating when insurance companies wrongfully deny disability claims. However, trying to appeal a denial alone against big insurance companies puts your career and financial future at serious risk. Our caring legal team takes this heavy burden off your shoulders, protecting what you’ve worked so hard for.
Our League City denied doctor disability claim lawyers have over 120 years of combined experience handling denied disability claims. We fight to overturn these unfair denials. We build strong cases and fight to get you the full benefits you deserve.
At Marc Whitehead & Associates, our League City disability lawyers know how important it is for you to get your claim paid. Our experience and resources give you the best chance of securing the disability support you need. Contact us today to learn how we can help.
Why Doctor Disability Claims Are So Often Denied
Being a medical professional like a doctor, surgeon, or dentist requires immense physical and cognitive abilities. The job demands of these specialized occupations are extremely high, from performing intricate procedures to making critical decisions impacting patients’ lives.
Even a relatively minor impairment can jeopardize your ability to continue practicing medicine safely and effectively. That’s why most physicians invest in private “own occupation” disability insurance policies.
Unfortunately, despite paying costly premiums, far too many doctors see their legitimate disability claims denied or terminated by insurance companies motivated to minimize payouts and maximize profits. Our lawyers have fought against a wide variety of bad faith tactics, including:
Narrowly Interpreting “Own Occupation” Policy Language
Insurers may try to redefine what constitutes being “totally disabled” from your own medical occupation.
For example, they may claim you can still perform minor duties like patient consultations or reviewing records, despite being unable to handle the core hands-on clinical responsibilities of your specialty.
Relying on Biased In-House Medical Opinions
Rather than properly weighing evidence from your treating doctors, insurance companies often lean heavily on in-house staff doctors who have an inherent incentive to downplay the severity of your condition and functional limitations.
Alleging Inability to Work Due to Pre-Existing Conditions
Even when your disability stems from a new injury or illness, insurers may try to attribute your symptoms to a pre-existing condition excluded from coverage in order to deny your claim. A League City denied doctor disability claim attorney can gather evidence and fight these erroneous claims.
Terminating Benefits Claims After Brief Periods
In some cases, your disability benefits may initially be approved only for the insurance company to terminate them shortly after, despite no meaningful improvement or recovery from your condition.
It is clear to see how insurers seek to fight and deny claims. Whether you have a group or individual occupation disability insurance coverage, you should contact a denied doctor disability claim lawyer in League City for help with a disability claim.
For a free legal consultation with a denied doctor disability claim lawyer serving League City, call 800-562-9830
Why Hiring a Disability Lawyer Is So Critical
You purchased a private disability policy to protect your income and way of life as a medical professional. Don’t let the insurance company’s profit-driven denial tactics strip that valuable coverage away from you.
Attempting to appeal a denied or terminated physician disability claim on your own is an uphill battle that puts you at a severe disadvantage against the insurer’s arsenal of:
- Teams of Lawyers Trained to Derail Legitimate Claims
- In-House Medical Staff Who Will Dispute the Extent of Your Disability
- Strict Deadlines and Procedural Requirements to Limit Incoming Appeals
That’s where the legal team at Marc Whitehead & Associates can make all the difference for doctors in League City and throughout Texas. Our disability lawyers specialize in representing medical professionals whose own occupation claims have been wrongfully denied or terminated.
League City Denied Doctor Disability Claim Lawyer Near Me 800-562-9830
How Our League City Denied Doctor Disability Claim Attorneys Can Help
We understand all the bad faith angles insurance companies use to avoid paying out physician disability benefits. More importantly, we know how to forcefully counter and overcome these tactics through:
Thorough Evidence Demonstrating the Extent of Your Disability
Our attorneys work with your treating doctors as well as independent medical experts to obtain clear, objective evidence documenting the full scope of your impairments, restrictions, and inability to continue practicing your medical specialty safely and effectively.
Meticulous Policy Language Analysis
We carefully analyze your specific disability policy contract to ensure the insurance company’s interpretation and denial does not defy the true definition of total disability from your “own occupation.”
Aggressive Appeals & Litigation, if Needed
Whether we’re dealing with initial denials from private insurers or group policies governed by ERISA law, our attorneys exhaust all administrative remedies through thoroughly substantiated appeals backed by sound legal arguments and evidence.
If the insurance company still refuses to uphold its end of the contract, we’re fully prepared to take your case to federal court.
Click to contact our League City Disability Lawyers today
Personalized Legal Support from Start to Finish
At Marc Whitehead & Associates, our League City denied doctor disability claim lawyers understand how stressful this process is for medical professionals like you. We deliver individualized attention through every step, providing the candid advice you need to make the right decisions for your future.
Our selective approach also ensures your case receives our firm’s full capabilities and resources dedicated to achieving a favorable outcome. Our contingency fee model means you pay nothing until we succeed in recovering the disability benefits and peace of mind you deserve.
Safeguarding your medical career along with your financial future is our top priority. Contact us today for a free consultation and to learn how we can overturn your denied or terminated physician disability claim.
Call or text 800-562-9830 or complete a Free Case Evaluation form