At Marc Whitehead & Associates, we understand that a sudden illness or injury can end a doctor’s career and cause serious financial loss. If you’re facing a denied claim, a Temple denied doctor disability claim lawyer from our team is ready to help.
Many doctors carry Long Term Disability (LTD) insurance to protect against such risks. If you don’t have a personal policy, you may be covered through your practice or employer’s benefits package.
Our Temple disability lawyers have over 120 years of combined experience and are here to provide the guidance you need during this challenging time. Reach out to us for support with your disability claim.
Frustrations With Long Term Disability Claims
Filing a Long Term Disability claim can be frustrating, especially for doctors and healthcare professionals. Insurance companies often employ tactics to reduce their own costs, which can lead to a claim being denied.
Even though a medical provider may have faithfully paid premiums, they may still face denial when they need the benefits most. Understanding why a Long Term Disability claim is denied can be imperative in addressing these challenges.
Doctors and healthcare workers, while highly educated, may not have the specific knowledge needed to handle a disability appeal. That’s where our lawyers come in to help guide you through the process.
For a free legal consultation with a denied doctor disability claim lawyer serving Temple, call 800-562-9830
Medical Professionals Who May Face Disability Benefit Denials
We provide legal assistance to medical professionals across various fields, including but 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 letter for disability benefits, our attorneys are here to offer support and guidance through the process. Our Temple denied doctor disability claim attorneys are committed to helping healthcare providers secure the benefits they deserve.
Temple Denied Doctor Disability Claim Lawyer Near Me 800-562-9830
Understanding “Disabled” in Doctor and Healthcare Provider Disability Claims
Many doctors rely on Long Term Disability insurance to safeguard their income if they are unable to work. However, the definition of “disabled“ in these policies is often very restrictive, limiting when a claim will be approved.
Narrow Definitions of Disability
Claims adjusters may argue that a doctor isn’t fully disabled if they can still work in a different area of medicine.
For example, even if a doctor cannot perform their specialized duties, the adjuster might decide that working in another field of medicine means they are not considered disabled under the policy.
Partial Ability to Work
In some cases, adjusters may deny claims because the doctor can still perform “light” duties, such as consultations or follow-up visits, even if they are unable to conduct more demanding tasks like surgeries.
Insurance Company Tactics
LTD providers often use vague or overly restrictive language to deny claims. For example, some group policies might dictate that a doctor is not disabled if they can perform administrative duties, even if a condition like arthritis prevents them from treating patients.
Legal Help for Denied Disability Claims
Doctors facing these kinds of denials can benefit from legal assistance. Our attorneys can review your policy to determine if the claims adjuster unfairly denied your disability claim and help you fight for your rights.
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Common Reasons Doctors Are Denied long term Disability Claims
Insurance companies aim to maximize profits, often by collecting high premiums from doctors for Long Term Disability policies. Paying out disability claims, however, doesn’t align with that goal. As a result, they may go to great lengths to deny LTD claims for healthcare professionals.
Some reasons commonly given for denying a claim include:
- Lack of sufficient medical evidence supporting your disability.
- You don’t meet the policy’s definition of disability.
- You can still perform some duties, so you’re not considered “totally disabled.”
- Your condition allows you to work in another field.
- Independent medical experts disagree with your doctor’s findings.
- The Functional Capacity Evaluation doesn’t support total disability.
Doctors often face unfair treatment when it comes to LTD claims, especially given the high value of these policies. If your claim has been unjustly denied or benefits were terminated, it’s important to challenge these decisions.
Our denied doctors disability claim lawyers in Temple are here to help fight against bad faith practices by insurance companies.
Complete a Free Case Evaluation form now
Examples of Denied Claims for Medical Professionals
We understand the tactics insurance companies use to deny claims from medical professionals. Have any of these happened to you?
- Own specialty denial: Insurance companies often promise to cover a doctor’s “own specialty,” but when a claim is filed, they may argue the doctor can still perform some duties within that specialty, denying full benefits. Our team knows how to fight this tactic to get the benefits you deserve.
- Partial disability claims: Insurance companies may try to classify a doctor as “partially disabled” to avoid paying full or lifetime benefits. For example, if your policy provides lifetime benefits for total disability before a certain age, they may claim partial disability just before that age to avoid full payouts.
- Late filing denial: Many doctors push through illness or injury before filing a claim, only to have it denied for missing policy deadlines. We help professionals who have been denied due to late filing, countering the insurance company’s attempts to avoid paying out.
- Social media misinterpretation: Insurers may use old or misinterpreted social media posts to deny or terminate a claim. A photo of you doing an activity you can no longer perform may be used against you. We recommend keeping profiles private but not deleting posts.
- Failure to cooperate claim: Even when you comply with requests for documentation, insurance companies may claim they never received it or ask for it again to delay or deny your claim. This tactic is used to stretch out the process, leaving you without income while the claim is stalled.
We know how to handle these common tactics and are here to help you fight for the benefits you’re entitled to.
How a Denied Doctor Disability Claim Lawyer in Temple Can Help You
At Marc Whitehead & Associates, we know how frustrating it can be for doctors to face a denied disability claim. As a Temple denied doctor disability claim lawyer, our goal is to guide you through the process and fight for the benefits you’re entitled to.
With over 120 years of combined experience, we understand the unique challenges doctors encounter with Long Term Disability policies. We carefully review the details of your policy and the denial to create a strategy tailored to your case.
If your claim has been denied, we’re here to offer the support and insight you need to move forward with your appeal. Get the disability benefits you paid for. Call Marc Whitehead & Associates for a consultation today.
Call or text 800-562-9830 or complete a Free Case Evaluation form
