Medical professionals often encounter difficulties when applying for Long Term Disability (LTD) benefits. Insurance companies may be stricter when reviewing claims from doctors due to their higher earnings, which could result in larger payouts.
If you’re a doctor in need of help with your LTD claim, Marc Whitehead & Associates, with over 120 years of combined experience, is ready to assist you. A San Antonio denied doctor disability claim lawyer can provide the guidance you need.
Whether you’re just starting the claims process or have already been denied, a San Antonio disability lawyer can help you secure the benefits you’re entitled to as a medical professional.
Understanding Why a Long Term Disability Claim is Denied for Medical Professionals
One common reason why a Long Term Disability claim is denied by doctors is due to how “disabled” is defined in their policy. Some policies require you to be unable to perform any job, even outside your medical field, which can severely limit your chances of receiving benefits.
The best policies use an “own occupation” definition, covering you if you’re unable to work in your specific area of expertise, like surgery. This offers greater protection for specialized professionals.
If your policy uses broader terms, your claim could be denied. Our disability denial lawyers are here to help review your policy and ensure you’re receiving the benefits you deserve as a medical professional.
For a free legal consultation with a denied doctor disability claim lawyer serving San Antonio, call 800-562-9830
Other Reasons for Denial
Disability insurance providers often rely on various reasons to deny coverage. Some common reasons medical professionals face denials include:
- Time limits: Claims must be filed within specific time periods. Many doctors try to continue working through their illness or injury, but delaying a claim can give insurers a reason to deny it.
- Partial disability: Even if an injury is acknowledged, insurers may argue the claimant is only partially disabled. If the doctor can perform some tasks, they may reduce the amount of benefits paid.
- Lack of evidence: Insurers may claim the policyholder hasn’t provided enough proof or didn’t comply with their investigation. These tactics can delay or deny benefits, but an attorney can help challenge these actions.
If you’re dealing with any of these challenges, it’s important to have support on your side. A San Antonio denied doctor disability claim attorney can help you address these issues and fight for the benefits you’re entitled to as a medical professional.
San Antonio Denied Doctor Disability Claim Lawyer Near Me 800-562-9830
Examples of Claim Denials for Medical Professionals
Submitting a claim for disability benefits should be simple, but it often isn’t. Insurance companies frequently use clever strategies to mislead or confuse claimants, ultimately leading to denied benefits.
- A surgeon diagnosed with Parkinson’s Disease, who could no longer perform surgeries because of hand tremors, had his disability claim denied. The insurance company argued that he wasn’t “totally disabled” according to the “own occupation” clause in his policy.
- A cardiologist diagnosed with early-stage dementia had their Long Term Disability benefits cut off after receiving payments for two years. The insurance company claimed that the policy’s mental health limitation restricted coverage to 24 months.
- A doctor struggling with a severe back injury had her benefits terminated after 120 days. Her insurance company claimed she was no longer disabled despite her ongoing condition.
In cases like these, wrongful denials often have a strong chance of being appealed and won. Our legal team advocates for medical professionals nationwide who have had their Long Term Disability claims wrongfully denied by insurance companies.
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Medical Professionals Who May Experience Disability Benefit Denials
We assist a wide range of medical professionals who may face challenges in receiving disability benefits. This includes, but is not limited to:
- Surgeons
- Medical Doctors (M.D.)
- Dentists
- Chiropractors
- Nurses and Nurse Practitioners
- Physician Assistants
- Psychiatrists
- Osteopathic Doctors (D.O.)
- Radiologists
If you’ve received a denial for your disability benefits, our attorneys are here to help. Our San Antonio denied doctor disability claim attorneys are ready to provide the support and guidance you need to move forward and secure the benefits you’ve paid for.
Complete a Free Case Evaluation form now
How Doctors and Professionals Can Protect Their Rights
We’ve helped many medical and other professionals recover LTD benefits after initial denials. Over the years, we’ve learned some helpful tips to assist doctors and professionals in strengthening their claims.
- Know your policy’s definition of disability.
- Understand the difference between “own occupation” and “any occupation.”
- Avoid waiting too long to file your LTD claim.
- Make sure your medical records clearly support your disability.
- Gather any necessary vocational evidence.
- Familiarize yourself with the LTD claim process, including timelines for review and appeal.
If you have questions about your LTD policy or claim, we’re here to help. Our experienced local attorneys are ready to assist you with no cost or obligation, helping you fight back against wrongful delays or denials. Let us use our knowledge to support you.
What to Expect from Our San Antonio Denied Doctor Disability Claim Lawyers
Our San Antonio denied doctor disability claim attorneys have a proven track record of challenging major insurance companies and winning claims for physicians across all specialties.
We understand how these insurers operate and have developed strategies to effectively counter their unfair practices.
Our legal team focuses on building cases that demonstrate:
- You are unable to perform the essential duties of your specific medical occupation as defined in your policy.
- The true demands of your specialty, supported by trusted resources.
- The seriousness of your impairments, backed by independent evaluations from highly qualified experts.
- You’ve met all policy requirements necessary for benefits.
Whether your initial claim was denied or benefits were cut off, we’re prepared to fight for you with strong medical and occupational evidence to restore your disability coverage.
Protect Your Rights with a San Antonio Denied Doctor Disability Claim Lawyer
When a disability claim is denied, especially for medical professionals, legal support can make all the difference. Marc Whitehead & Associates is committed to standing by your side to help you secure the benefits you deserve.
With a San Antonio denied doctor disability claim lawyer from our firm, you’ll have a dedicated advocate working to recover the benefits you’ve paid for. Our team knows how to take on insurance companies and fight back against unfair denials.
Let Marc Whitehead & Associates help protect your career and financial future by guiding you through the process and getting the coverage you’re entitled to. Call us today to schedule a free consultation.
Call or text 800-562-9830 or complete a Free Case Evaluation form
