A Guide For Doctors Seeking Total or Residual Disability Benefits

As a doctor filing a long term disability insurance claim, your disability policy usually provides you with two definitions of disability: residual and total disability. The challenge is figuring out which definition gives you the best chance of collecting disability insurance benefits. Our disability insurance lawyers have helped thousands of doctors to evaluate their disability policies and implement a strategy that maximizes their long term disability benefits.

There are several key differences between the total and residual disability, and in order to determine which will be easier to qualify for, you need to consider things such as your specific occupational circumstances, the nature and severity of your disability, and what you want to do on a daily basis.

In this article and video above, disability insurance attorney Gregory Dell explains the differences between residual and total disability and shares advice on which option may be best for you, how do you maximize the benefits, and potential pitfalls should to watch out for when preparing your long term disability claim.

The Difference Between Total And Residual Disability

The key difference between total and residual disability is defined by your capacity to work. Total disability is usually defined as due to sickness or injury you are unable to perform the substantial or material duties of your occupation.

Residual disability, which is in most disability policies, says you’re unable to perform one or more of the important duties of your occupation or you’re unable to perform duties that you were performing pre-disability for as much time as before. Residual disability is usually included in most private disability insurance polices, although sometimes you have to buy it as an added benefit.

doctor disability claim

To be eligible for residual disability you must have at least a 15% or a 20% loss of your pre-disability income. Pre-disability income will be defined in your disability policy. The percentage of loss that you have is going to depend on the language in your disability policy. When you purchase these policies, every disability carrier has different language, but often, they’re fairly similar.

The Disability Company Will Calculate Pre-Disability Income Based on Your Date of Disability

When determining the percentage of income that you lost compared to your pre-disability income, your disability policy is first going to define what your pre-disability income is and what the method is for calculating that. Often, it’s either the 12 months just before you became disabled, or an average of the 24 months before you became disabled. Depending on the policy, it could also be the average of your two highest-grossing years out of a five-year period.

If you have a residual disability claim, when you determine your date of disability, choosing your date of disability has to be strategic so that you can maximize what your pre-disability earnings are. In some cases, when looking at the definition of pre-disability income, it could be the prior calendar year. So for example, if you’re on the fence of a date of disability between, say, December of 2020 and January of 2021, it could make a big difference in your pre-disability earnings from looking at the earnings in 2020 versus taking into consideration the earnings in 2019.

Calculating your pre-disability income is a fairly simple financial analysis done by looking at your tax returns and your P&L statements. However, determining the date of disability can be a complicated process because it has to correspond with your reduction in work duties, which in turn has to correspond with your medical care and treatment.

When you submit your claim to the disability carrier, they’re going to go back and look at the paper trail. Do you have the medical support showing that you were having difficulty working on the date that you claim you could no longer do your duties or were reduced in your work capacity? Do you have the loss of income at that particular period of time? All of these things have to come together to properly choose your date of disability and then support the claim.

Should You File for Total or Residual Disability?

We often see doctors struggle to determine whether they should file for total or residual disability. This will largely depend on the type of work environment you’re in and how flexible your employer will be. A doctor is an overly broad occupational term because there’s hundreds of different types of doctors: you could be an employee for a practice, a hospital staff member, or you could be running your own practice as a business owner and a doctor. This matters when determining whether you can just stop working completely, or can you still run your practice but cut back on the hours.

For doctors, it’s particularly difficult because once the word that you’re unwell gets out (either that you’re unable to practice or you’re having difficulty practicing), your referrals may dry up. If you are a surgeon, you rely on other doctors to refer you, and if the word that you’re disabled (whatever the cause of your disability may be) gets out, the referrals are going to stop. Equally, if you have to report to your medical licensing that you’re having difficulty doing your job and you potentially have a limitation on your license, then, obviously, you can’t do your job, either. It’s the same with hospital privileges: if you have to report that you’re having some kind of difficulty and you lose hospital privileges as a result, then you may not be able to work at all.

Think about your options: do you have the opportunity to cut back on your duties at work? Can you go from five days a week to three or four days a week? If you cut back on your work and have at least a 20% loss of income, can you truly continue to do the job with your physical limitations? These are important questions to ask yourself before you tell your disability carrier that you can’t work for as much time as you used to. Telling them that you can’t do this particular long surgical procedure, but you can do a shorter one, or do procedures that are five minutes long but nothing longer, or see 5 patients a day but not 10 – all of this will increase your chances of getting your disability claim approved more than telling the insurance company you cannot work at all. It’s often recommendable to first go down the road of a residual disability claim versus total disability.

Take all of these factors into consideration when deciding whether you should aim for total disability or whether you’re still able and willing to work in a reduced capacity and file a residual disability claim.

Gathering Strong Medical Evidence Is Essential

In many cases, the disability is not a result of an accident or a sudden and unexpected onset of a disease but rather a chronic condition that worsens over time. For example, it may be a chronic pain-type disability, degenerative-type conditions, whether it’s your neck, your back, your shoulder, your wrist, or it’s a neurological disorder that’s progressively gotten worse, and now it’s getting to the point where you can’t work. What makes these claims difficult is the fact that you’ve likely been working through this condition for a number of months or maybe even a number of years, and the insurance company will want to see evidence of what has changed now that makes you disabled.

What helps the most in cases like this is having an extensive and well-documented medical history. Medical evidence is going to put you in a much better spot to have your claim more easily approved because it shows that you’ve been undergoing treatments for a period of time, and you can objectively show the change in your condition. However, if you haven’t been treated and don’t have a medical history, you’re starting from ground zero, and you’ll have to work through the process of building the medical support for your claim.

Always remember that your claim is only as good as how bad you look on paper. In the eyes of the insurance company, if it’s not in the medical records, it doesn’t exist. When you are seeing your doctor as a patient, you have to have every single one of your complaints, every restriction, every limitation, any type of objective physical complaint, any type of subjective complaint that you have added to your records or it doesn’t exist. This is crucial.

How Do You Determine a Date of Disability

Choosing the date of disability must be determined strategically. Any disability insurance claim is usually going to have a minimum of a 90-day elimination period. That means that you have to be either residually or totally disabled for a period of 90 days before you’re going to be eligible. Then, the insurance company is going to take another 30 days before they pay you, so realistically, it’s 120 days before your first benefit payment.

In this 90-day period, chances are that if you’re someone with chronic pain, you have an opportunity to cut back. You shouldo reduce your work week to a few days, change your procedures, or modify your work duties and the time that you’re cutting back, which will be documented in your CPT reports.

The cutback in duties has to correlate with your medical treatment: every month, you should be going to the doctor, telling them what’s going on, informing them that you’re cutting back, and telling them how you’re feeling. If you’re feeling better with the cutback in duties and your pain is limited, then you may be able to start out with a residual disability claim as long as you have a 20% loss of pre-disability income.

How are Residual and Total Disability Benefits Calculated 

As an example of  how a residual disability benefit is calculated, let’s assume you’re a doctor making $30,000 a month. Because of your disability, you’re cutting back and going down to $15,000 a month. You’re going to have a 50% reduction in your monthly income. With the 50% reduction, the disability company will pay you 50% of your disability benefit. If you have a $20,000 a month benefit and you have 50% reduction, this means they’ll pay you $10,000 a month. So you’d be netting $25,000 a month compared to the $30,000 you were making before while working at half the capacity, hopefully reducing the amount of stress on your body and being able to do that for a limited period of time. Now, this is making the assumption that you can continue in that capacity.

Another option that a lot of doctors have been able to do is if you have greater than a 75% loss of income, you get 100% of your long-term disability benefit, which means you get paid in full. A doctor was making $400,000 a year, may face a scenario where they get paid under $100,000 a year, and then they’re able to continue working in a very limited capacity and collect their full disability benefit. That is still residual disability.

On total disability, if you’re a doctor who’s working for somebody, it’s usually an-all-or-nothing situation. You stop working, you end your relationship with that employer, and you seek total disability.

You May Be Able To Collect Total Disability Benefits and Start a New Job

Depending upon the definition of disability, if it says, for example, unable to perform substantial material duties of your occupation and it’s limited to that particular medical specialty, then you may be able to do another job that doesn’t require any of the same skills as to what you were doing before. This way, you collect your total disability benefits and work in that other job. We have seen many doctors that left medicine, went into some kind of real estate or real estate development, made a million dollars in the new field, and continued collecting their $250,000 (assuming this was their income as doctors) total disability benefits even though they were making a lot more money in their new occupation.

We’ve also seen a lot of doctors that make less money but still collect their total disability. For example, a lot of doctors go on to become professors, teachers, in-house doctors at insurance companies, do file reviews, or become expert witnesses. All of these things or potential options if the duties are different from what you were previously doing.

However, if you didn’t buy a very strong true own occupation definition of disability, there are definitions of total disability out there that say, unable to perform the duties of your occupation and not gainfully employed. Those are not true own occupation policies because if it says „not gainfully employed“, then you can’t go do another job and you are basically locked up by that disability policy. The insurance company will pay you full total disability, but you can’t go do anything else.

What it really comes down to is what you want to do as a doctor. What do you think you can do? How can we help you to maximize the benefits under your policy? If you were sold a good, true own occupation disability policy, there is a lot you can do – work in a limited capacity, do extra work, or choose another field altogether.

When to Hire a Disability Insurance Attorney

While it is entirely possible to prepare and file a disability claim on your own, it’s always best to consult a lawyer to ensure you get the best outcome and the process is as fast and smooth as possible. If you need help, contact our office, email us a copy of your long-term disability insurance policy or policies (often, we have doctors that have many), and we’ll review all of your disability policies and provide you with an initial free consultation. We’ll let you know right away what we think your options are and what it’s going to take to get your benefits approved.

Many doctors contact us months in advance of even considering filing a claim, which is the best way to plan and be prepared for filing a claim. Often, your insurance agent isn’t the best person to handle your claim: after all, their interest was to sell you the policy; your purchased the policy and paid your premiums for years. That’s the easy part. However, the claims handling side is a whole different animal, and you need someone on your side to help you navigate the process.

Our disability insurance lawyers can help you no matter where you live in the country, and we have hundreds, if not thousands, of references of other doctors for you to speak with.

We welcome you to subscribe to our YouTube channel so that you can be regularly updated about videos like this where we talk about different types of disability insurance claim-related issues. You can also search our website by your disability insurance company, your medical specialty, or by your medical condition, and you’ll find lots of different articles that are relevant to your claim.

Should you need us in the future, we look forward to the opportunity to speak with you.

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We help claimants throughout the entire application process.

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Negotiate a Lump-Sum Settlement

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Disability Company Reviews
(642)
Showing 8 of 642 Reviews
Sedgwick

AT&T Was Great and Sedgwick Horrible

Reviewed by From a great job to a complete nightmare on March 20th 2024   Verified Policyholder | March 2024 date of disability
My Physician recommended that I take some time from a toxic environment after several deaths in my family coupled with AT&T trying to run tenured employees out of the door... read more >
New York Life

Keeps claiming they will not approve claim for pre existing conditions but my illness is not preexisting

Reviewed by M.T. on February 15th 2024   Verified Policyholder | May 2023 date of disability
I have been appealing a claim for LTD for 8 months! New York Life keeps claiming they will not approve claim for pre existing conditions but my illness is not preexisting ... read more >
Reliance Standard

Staff Lie

Reviewed by Tanya on February 12th 2024   Verified Policyholder | August 2021 date of disability
I had my disability cut off the day I was scheduled to find out whether I should have surgery. The claims examiner was aware that I had an appointment on that date and sai... read more >
Reply
Sent on February 12th 2024 by Attorney Gregory Dell

I am sorry to hear about your experience. It’s crazy that Reliance Standard would deny your disability benefits when you are suffering so badly that you need surgery.... read more >

Hartford

Former Hartford employee has had life insurance and accidental death policy's revoked for one late premium payment

Reviewed by Becky H. THOMAS on February 12th 2024   Verified Policyholder | February 2024 date of disability
Dislike how they are constantly interrupting the lives of their disabled EE's whom are entitled to benefit which they paid into out of there pay check every pay period onl... read more >
Reply
Sent on February 12th 2024 by Attorney Gregory Dell

Thank you for your review of Hartford and we appreciate you sharing.  It’s sad they don’t take care of their own employees.

Lincoln Financial

Never received benefits my entire leave - or help with them

Reviewed by Anna on December 19th 2023   Verified Policyholder | November 2023 date of disability
I used my short term disability insurance for maternity leave and started the process beforehand knowing when I would be out (scheduled induction.) It took a little over a... read more >
Sun Life

Unscrupulous Tactics

Reviewed by Misseekayy on December 19th 2023   Verified Policyholder | May 2023 date of disability
Sunlife uses unscrupulous tactics in order to prevent payment of claims. They wait until it is close to the 30 day mark and then they ask for another form of information o... read more >
Sedgwick

Lame

Reviewed by Dennis T. on December 11th 2023   Verified Policyholder | March 2022 date of disability
My experience with Sedgwick and personell is as follows: Unhelpful, unprofessional and an overall unpleasant experience.
Unum

Low payments

Reviewed by Dorothy on November 30th 2023   Verified Policyholder | November 2023 date of disability
I was injured at work. I did house keeping in a hospital. I tore just about everything imaginable in my knee. I was let go from my job, because I was no longer able to do ... read more >
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Showing 1 of 1 Answered Questions

Q: Are you familiar with the difference between Berkshire’s Enhanced and Basic residual contract language and how material the language difference could be at claim time?

Answered on March 7th 2018 by Attorney Gregory Dell
A: Chris, thank you for asking this important question. Without actually seeing the exact policies that you are r... Read More >
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Our goal is to get your application for disability income benefits approved. Applying for disability insurance benefits can be a difficult process and the information you provide is critical. Most disability insurance companies look at your application in hopes of finding a reason to deny your claim. Your disability company will ask you to complete numerous forms, interview you, request lots of information, speak with your doctors and possibly request to have you examined by their "hired gun" doctor.

Through our experience of having helped thousands of disability insurance claimants, our disability insurance lawyers will guide you through the entire application process and give you the best chance to get your disability claim approved the first time.

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Preparing a strong disability appeal package is an art that requires you to understand how the courts interpret your disability policy language, ERISA regulations / laws, and how to strategically present evidence in support of your definition of "disability". We encourage you to contact any of our attorneys for a free immediate review of your disability denial.

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Who are Dell Disability Lawyers?

We are disability insurance attorneys that know how to get your short or long term disability benefits paid. As a nationwide law firm we have helped thousands of disability insurance claimants throughout the United States to collect hundreds of millions of dollars of disability insurance benefits from every major disability insurance company.

In more than 98% of our cases, our attorneys have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement. Our disability insurance lawyers have seen it all when it comes to disability insurance claims and we know exactly what it takes for your disability claim to be approved.

We offer disability insurance attorney representation nationwide and we welcome you to contact any of our lawyers for a free immediate review of your disability claim. We also invite you to visit and subscribe to our YouTube channel where we have more than 850 videos and regularly provide tips to help protect your disability benefits.

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Our disability insurance attorneys help individuals that have either purchased a long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer. We have helped individuals in almost every type of occupation with monthly disability benefit payments ranging from $1,500 to $50,000.

Our clients include all types of employees ranging from retail associates, sales representatives, government employees, police officers, teachers, janitors, nurses, pilots, truck drivers, financial advisors, doctors, dentists, veterinarians, lawyers, consultants, IT professionals, engineers, professional athletes, business owners, and high level executives.

A strong understanding and presentation of the duties of your occupation is essential for securing disability insurance benefits.

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Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability insurance lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

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Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

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No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via phone, email, fax, or video conferencing sessions. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability insurance attorney. We can be reached at 800-698-9159 or by email. Lawyers and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

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