If you’re a medical professional, even a minor injury or illness can threaten your ability to keep practicing. Unfortunately, getting approval for legitimate disability claims can be an uphill battle. Work with an experienced Denied Doctor Disability claim lawyer in Texas to simplify the process.
At Marc Whitehead & Associates, we have over 120 years of combined experience fighting for our clients. We focus on disability claims, so we know how to navigate the process skillfully. Our Texas disability lawyers offer personalized legal representation. Call us today for a free consultation.
Experienced Texas Denied Doctor Disability Claim Attorneys
We have a proven track record of successfully challenging major insurance companies and securing rightful claims for doctors across all medical fields. We recognize the unfair practices adjusters employ and have developed effective strategies to combat them.
Our Denied Doctor Disability lawyers build strong cases to show:
- You are unable to perform the essential duties of your medical profession as outlined in your specific insurance policy.
- The actual physical and cognitive requirements of your medical specialty backed by credible resources.
- The extent of your disabling condition confirmed by evaluations from independent, qualified medical professionals.
- You have met all the terms and conditions of your policy to qualify for benefits.
- Any unjust actions or bad faith practices by your insurance company that may have led to the denial of your claim.
If your claim was denied or your benefits were taken away, we’re ready to fight for you. We’ll build a strong appeal with solid proof to protect your disability coverage. Our lawyers want to empower you to protect your career and financial future. Let us fight together for your rights and the benefits you deserve.
For a free legal consultation, call 800-562-9830
Understanding “Own Occupation” Policies
Most doctors buy private “own occupation” disability insurance to protect their income if they can no longer do the main tasks of their specialty. This could include surgery, treating patients, or reading test results. This type of insurance is a valuable safety net if you can’t perform the core duties of your specific medical role.
Unfortunately, insurance companies often try to twist the meaning of “own occupation“ to deny claims. For example, the insurance company may deny the claim by arguing that while the surgeon cannot operate, they can still perform other tasks like conducting patient consultations, writing reports, or overseeing medical staff.
This narrow interpretation of “own occupation” overlooks the fact that the surgeon’s primary job is performing surgeries, and being forced into an administrative or consulting role is not what the policy intended to cover. Marc Whitehead & Associates push back against these unfair redefinitions.
Common Reasons for Denied Doctor Disability Claims
Insurance companies are in the business of minimizing payouts. Adjusters have a portfolio of strategies to deny or reduce legitimate claims.
Even if you have faithfully paid premiums for years, insurers will still try to avoid paying your benefits. Our Denied Doctor Disability claims attorneys in Texas are familiar with these strategies and know how to fight them.
Insurance companies will go to great lengths to avoid paying doctor disability claims, including:
- Narrowly defining your “own occupation” as being able to do some duties rather than the key tasks of your job.
- Citing general occupational descriptions that don’t accurately cover the physical demands of your medical field.
- Relying on in-house doctors who provide biased opinions minimizing your impairments and restrictions.
- Alleging your inability to work is due to pre-existing conditions excluded from coverage.
- Terminating benefits after a brief period despite your ongoing disability.
- Pressuring you to settle for lower benefits than you deserve.
Our Texas Denied Doctor Disability claim lawyers gather strong statements from your doctors that clearly explain why your medical condition prevents you from performing your true “own occupation” as it’s meant to be covered in your policy. We make sure your claim reflects the full scope of your disability, holding insurers accountable for providing the benefits you deserve.
You bought disability insurance to protect your livelihood; don’t let the insurance company deny your rightful coverage with these unfair tactics.
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Attorney Marc Whitehead Is Doubled-Board Certified
Founding partner attorney Marc Whitehead has the credentials that make him highly effective in handling denied or delayed disability insurance claims. He is double Board-Certified in Personal Injury Trial Law by the Texas Board of Legal Specialization and in Social Security Disability Law by the National Board of Social Security Disability Advocacy.
When facing big insurance companies, it’s crucial to have a Texas denied doctor disability claim lawyery with the knowledge and experience to challenge denied claims and help you get the benefits you deserve.
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Call a Denied Doctor Disability Claim Lawyer in Texas
You have the right to have your valid disability claim approved. Marc Whitehead & Associates is dedicated to handling disability claims, and we know how to combat insurance companies’ unfair practices.
We create detailed cases that pressure adjusters to deliver the disability benefits you are entitled to under your physician’s policy. Don’t let a wrongful claim denial threaten your medical career and financial stability.
Call us today for a free, no-obligation consultation about appealing your denied claim.
Call or text 800-562-9830 or complete a Free Case Evaluation form