As a medical professional, even a small injury can jeopardize your ability to continue working. Sadly, getting a valid disability claim approved can be challenging. Partner with an experienced denied doctor disability claim lawyer in Louisiana to streamline this journey.
Marc Whitehead & Associates has been advocating for clients for over 30 years. Our focus is on disability claims, which means we know how to handle any problems you may face.
Our Louisiana disability lawyers provide tailored legal support to meet your needs. Contact us today for a free case review.
Louisiana Denied Doctor Disability Claim Attorneys Offer Strong Legal Support
Our law firm has a strong history of challenging large insurance companies and securing rightful claims for doctors in all specialties. We understand the unfair tactics used by insurance adjusters and have created effective strategies to counteract them.
Your attorney will construct a robust case to demonstrate:
- You can’t perform the main duties of your medical profession as specified in your insurance policy.
- The physical and mental demands of your job.
- The severity of your disabling condition validated by assessments from independent, qualified medical experts.
- You have fulfilled all the policy requirements necessary to be eligible for benefits.
- Any wrongful actions by your insurance company that may have contributed to your claim’s denial.
If your claim has been wrongfully denied or your benefits revoked, we will advocate for you. We will create a compelling appeal with strong evidence to make sure you get the support you need. Together, let’s stand up for your rights and secure the benefits you deserve.
For a free legal consultation with a denied doctor disability claim lawyer serving Louisiana, call 800-562-9830
What Are “Own Occupation” Policies?
“Own Occupation” policies are a type of disability insurance designed to provide income protection if you are unable to perform the primary duties of your occupation due to injury or illness. You can receive benefits even if you are still able to work in a different capacity or profession as long as you are unable to perform the core tasks of your specific job.
For example, if a surgeon with an “own occupation” policy becomes physically unable to perform surgeries due to a hand injury, they would still receive benefits, even if they could still work as a consultant or teach medical courses.
These policies offer more comprehensive coverage than other types of disability insurance, as they focus on your ability to perform your exact job, not just whether you can work in any occupation.
How Insurance Companies Manipulate “Own Occupation” to Deny Doctor Claims
Insurance companies try to manipulate the definition of “own occupation” to justify denying valid claims. For example, they might argue that while as a surgeon you can no longer perform operations, you can still handle tasks like patient consultations, writing reports, or supervising medical staff.
This narrow interpretation ignores the reality that the surgeon’s primary responsibility is performing surgeries, and being shifted into an administrative or consulting role is not what the policy was meant to protect. At Marc Whitehead & Associates, Louisiana denied doctor disability claim lawyers fight against these unjust redefinitions to ensure that your policy is honored as intended.
Louisiana Denied Doctor Disability Claim Lawyer Near Me 800-562-9830
Why Are Valid Doctor Disability Claims Denied?
Insurance companies focus on minimizing their financial obligations. Despite years of faithfully paying premiums, you may face resistance when it’s time to access your benefits. Adjusters are well-trained in deploying various strategies designed to reject or diminish legitimate claims.
Our Denied Doctor Disability Claim attorneys in Louisiana are well-versed in these underhanded techniques. We know how insurers operate and have developed effective methods to challenge their tactics. Let us help you get the full benefits you’re entitled to under your policy.
Insurance companies try to avoid paying valid doctor disability claims by:
- Narrowly interpreting your “own occupation,” focusing on minor tasks instead of the main duties of your job.
- Using broad job descriptions that don’t reflect the physical demands of your specific medical field.
- Relying on their in-house doctors to give biased opinions that downplay your condition.
- Claiming your disability is due to pre-existing conditions not covered by the policy.
- Cutting off your benefits early, even if your disability continues.
- Pushing you to accept lower benefits than you’re entitled to.
Our Louisiana Denied Doctor Disability Claim lawyers work closely with your doctors to clearly show why your medical condition keeps you from doing the core duties of your “own occupation,” as outlined in your policy. Your claim will fully reflect the extent of your disability and hold insurance companies accountable for paying the benefits you’re owed.
You purchased disability insurance to safeguard your career and financial future. Don’t let the insurance company use unfair tactics to deny you the coverage you rightfully deserve. Our lawyers will help you fight back and secure the benefits you need.
Click to contact our Louisiana Disability Lawyers today
Call a Denied Doctor Disability Claim Lawyer in Louisiana Today
At Marc Whitehead & Associates, we focus on disability claims. We know how to fight against insurance companies’ unfair tactics. Our lawyers build strong cases that push adjusters to provide the disability benefits you’re entitled to under your physician’s policy.
A wrongful claim denial shouldn’t put your medical career or financial security at risk. Contact us today for a free consultation about appealing your denied claim. We’re here to help, and you only pay if we win your case.
Call or text 800-562-9830 or complete a Free Case Evaluation form
