Tips For What an Anesthesiologist Should Expect in a Disability Insurance Claim
Disability Companies Often Misconstrue the Duties of an Anesthesiologist
Disability insurance companies are notorious for challenging disability claims filed by anesthesiologist. We have represented numerous anesthesiologist and the disability companies always minimize the duties that are required to perform the job. The field of anesthesiology is broad as there is operating room anesthesiology and pain management. Further, the field of anesthesiology has changed a lot by allowing nurse anesthetist to work in the operating room. There are many anesthesiologists that don’t work with any assistants in the operating room or in any other capacity.
Most disability insurance companies do not understand the complexities involved in proper airway management and intubation techniques. Further, they do not understand the fact that every second a patient is under anesthesia is critical and failure for an anesthesiologist to be able to react instantly can result in catastrophic injury or death.
Why is the definition of disability critical for an anesthesiologist?
The definition of disability in the policy is critical in determining if an anesthesiologist will qualify for disability insurance benefits. A true own occupation definition of disability is the best definition and that means that if you cannot perform the duties of your occupation then you are disabled. Unfortunately, many anesthesiologists have employer provided disability policies and the definition of disability says unable to perform the duties of how your occupation is performed in the national economy and not for your employer.
This “national economy” definition of disability can be dangerous as the carrier can attempt to argue that the job can be performed by supervising a nurse anesthetist. To fully understand your occupational duties, the disability company will request your monthly and annual Current Procedural Terminology (CPT) production code reports. In the video above attorneys Gregory Dell and Cesar Gavidia discuss how the disability carrier will interpret different definitions of disability and provide tips for anesthesiologists to obtain disability claim approval.
Appropriate Medical Support Is Essential For Claim Approval
The most important evidence in any claim for disability benefits is appropriate medical support from your treating doctors. The disability company will closely scrutinize your medical records and require that you are treating with the doctors that are appropriate to your diagnosis(s). The medical records must be detailed, which means your complaints must be detailed and any objective finding must be documented. It is important that you undergo any testing and follow-up with any recommended treatments, medications, and doctor consult referrals. When helping an anesthesiologist to obtain disability benefits, our disability lawyers work very closely with you and your treating doctors. If we do not think you have enough medical support, then we will recommend additional medical treatment that will help to support your claim.
Total v. Residual Disability Claims for an Anesthesiologist
We often represent anesthesiologists that are unbale to perform anesthesiology but can retain and perform another field of medicine or a non-medical job. In a true own occupation definition of disability, an anesthesiologist can usually collect their full monthly benefit and work in a different occupation. Most anesthesiologists have individual disability policies and these policies usually allow an anesthesiologist to collect residual disability benefits if they either reduce their hours or eliminate certain duties. We have represented several anesthesiologists that became totally disabled from operating room anesthesiology and were able to collect total disability benefits after they retrained in pain management. Our job as disability insurance attorneys is to help you plan so that you can maximize the benefits under your disability policy and engage in another type of work should you desire to do so.
Every Disability Company Sells Different Disability Policies and You Should Know About Your Disability Company
The language in your disability policy is specific to you and most disability policies contain different language. Every company sells different disability policies and every disability company has their own methods for handling a long-term disability claim. We have seen every type of disability policy. Our lawyers have handled thousands of disability claims with every disability insurance company and we know exactly what it takes to get your benefits paid.
We want you to learn about your disability company by searching on our website for information about your disability company. You will be in a much better position to collect disability benefits if you know as much as possible about your company. We encourage you to contact any of our disability attorneys for a free initial consultation to discuss your long-term disability benefit claim.
Resources to Help You Win Disability Benefits
Get Your Disability Application Approved
Prevent a Disability Benefit Denial
Negotiate a Lump-Sum Settlement
Our goal is to negotiate the highest possible buyout of your long-term disability policy.
Q: Which Own Occupation insurance company has the best history of paying for legitimate disability claims?
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Anesthesiologist files lawsuit against Paul Revere alleging wrongful deduction of social security retirement benefits
Nurse anesthetist denied long-term disability benefits for drug addiction by Continental casualty loses at trial and on appeal
NFL Disability Review Board Ignores Evidence of Disability and Appeal Court Reverses Lower Court Decision
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I’m extremely satisfied with the experience I have had with this firm from day one. The lawyer who has handled my case, Alex, is very efficient and attentive to all my questions and concerns. They are always aware of how my case has gone and they care about my health. I feel optimistic with them because they are very attentive during the process of my claim. I would not hesitate to recommend families and friends if in any situation they need their services. Kathleen as well has been very well and assisted me with this case. I highly appreciate everything they have done for me.
It’s unfortunate when disability insurance companies come after older disabled policyholders just to help their bottom line. It can be a living nightmare the damage they can do to a family. Dell Disability Lawyers are polite, understanding and knowledgeable. They call you back and answer any question you have no matter how unimportant it can be. The amount of stress they took off of myself and family was incalculable. I recommend them highly to take care of any disability case whether it be filing for benefits or reversing a claim decision. They are outstanding.
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Without them my LTD company was dropping my plan with me still suffering from my accident, even with doctor’s statements I’m still disabled. The LTD company didn’t want to advance my policy to the next stage of years of pay. Dell Disability Lawyers saved my policy, and helped to enforce the LTD company’s own policy (for its policy holder, me) that I would be covered still under the LTD policy I had paid for at my previous job, when my accident occurred. These lawyers know what they are doing and can help you too. LTD companies will try to drop you when you still need coverage just because they don’t want to pay on your policy anymore. Don’t let them break contract with ya because they are trying to get out of it. Hit em with legal action to ensure the continuation of your policy you paid for. Dell Disability worked very well for me and continue to do so.
I was denied long term disability benefits from The Hartford after being on it for years. I found Dell Disability Lawyers after doing research online. In a matter of days they responded and explained to me everything that would be done. Dell Disability Lawyers were able to settle my suit against The Hartford very quickly and responded to me quickly. I would definitely recommend this team of lawyers for anyone that is fighting for their disability insurance.
I have had nothing but a great experience with Dell Disability Law Firm. Mr. Alex Palamara and his team went above and beyond my expectations. They will respond to emails and phone calls in a timely manner. Thank you once again for taking my case.
This law firm is the best so far. MetLife denied me two times, they appealed two times for me and they won of course. So if you are on disability and want a chance at winning your case use this firm Dell disability lawyers, kind courteous understanding and they get the job done. You won’t be disappointed.