Pharmacist

Here at Disability Attorneys Dell & Schaefer, we’ve handled thousands of disability claims filed by pharmacists over the years, and have learned a few things during the process. Pharmacists’ disability claims have some unique challenges and nuances, from how the definition of “disability” is defined in the policy to what type of medical documentation the long term disability insurance company will accept as proof of disability. Many disability insurance carriers simply don’t understand the ins and outs of a pharmacist’s job, which can make getting your benefits seem like an uphill battle. Read on for some disability benefit claims and tips pharmacists can use to get their benefits promptly paid.

The definition of “disability” in your policy is important to understand.

The long term disability insurance policy’s definition of disability is one of the most critical pieces used to determine whether a specific pharmacist will qualify for disability insurance benefits. Many policies broadly provide that “disabled” means you can no longer “do your duties as a pharmacist” – which begs the question, what are a pharmacist’s duties? This definition isn’t limited to exactly how the pharmacist is currently doing their duties in their current location, but instead relies on a nationwide standard, or the “national economy” definition.

Relying on the national economy definition of disability can be risky, as the long term disability company is unlikely to fully understand the scope of your occupational duties. Pharmacists have demanding jobs that often require long hours, steady concentration, and long days spent on one’s feet, and most pharmacists’ long term disability insurance policies are group policies that don’t make allowances for a specific person’s work environment. Pharmacists also must be at the top of their game mentally at all times, between the potentially dangerous medications they work with and the fact that many physicians tend to defer to pharmacists when it comes to patient questions about drug interactions.

The change of definition from own occupation to any occupation results in many denials.

Initially, a long term disability insurance policy may provide benefits to a pharmacist who is unable to perform their “own occupation” using the nationwide standard. But over time, this definition may shift to an “any occupation” standard, providing continued benefits only if the pharmacist is too disabled to perform “any” occupation that fits their education and skill set. Because pharmacists often have tailored their medical documentation and other claim support to an “own occupation” definition of disability, the switch to an “any occupation” definition often results in claim denials.

Why is the transition from short term to long term disability sometimes challenged? 

Most short term disability policies are administered by the disabled person’s employer. On the other hand, long term disability policies (except for Walgreens, which is self-insured) are paid by the disability insurer – and once this money begins coming out of the insurance carrier’s pockets, it has far more of an incentive to deny your claims. Even if most of these denials are successfully appealed, each claimant who stops fighting back means more money the insurance carrier gets to keep.

Strong medical documentation of your disability is required for a pharmacist to get approved.

Many pharmacist claimants have pain conditions that prevent them from working on their feet for a full 40 hours a week. For pharmacists in particular, this chronic pain can lead to cognitive difficulties; someone who is distracted by serious pain may not double-check the dosage or drug interactions, potentially leading to serious consequences. Unfortunately, many long term disability insurance carriers don’t seem to give appropriate weight to pain-created cognitive troubles.

Because there is not yet an objective way to measure how much pain a person is experiencing, the more objective medical evidence you can gather, the better. In other words, being able to provide an MRI that shows you have several bulging or ruptured discs in your spine will support your disability claim more than a physician’s statement that you’ve reported experiencing lower back pain. You may also opt for cognitive testing or memory tests that can show whether your memory or ability to multitask has been compromised. 

What tools do disability companies use to determine the credibility of your complaints?

One of the greatest tools in your arsenal can be a series of neuropsychological tests designed to show the reliability of your complaints. Because pharmacists are intelligent and tend to start out at a higher-than-average level on these timed tests, showing how one’s skills have deteriorated – even if they’re still technically “above average” – can go a long way toward boosting your credibility.

But long term disability insurance carriers have their own arsenal of tools, not all of which are always known to the disability claimant. Most disability carriers use video surveillance and monitor claimants’ social media accounts, comparing the information they glean with what the claimant has already told them. If a claimant overstates the impact of their disability and is then observed driving for a long distance, working out, going to social events, or engaging in any other activities they claimed not to be able to do, their claim likely will be denied.

The long term disability insurance attorneys at Dell & Schaefer have seen every type of disability policy and worked with just about every disability insurance carrier out there. We have the experience and the expertise to work with your insurance company to see what it will take to get your benefits paid. For more information, please reach out to any of our disability insurance attorneys to schedule a free initial consultation to discuss your long term disability claim. 

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Disability Benefit Denial Options
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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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(888)
Showing 12 of 888 Videos
Disability Benefit Tips
(330)
Showing 8 of 330 Benefit Tips

Disability Benefit Denial Reason #5 – Your Medical Evidence is Weak

If you're seeking long term disability benefits from an insurance company, you may be concern... Read More >

Disability Benefit Denial Reason #4 - Your Doctor Is Misled By the Disability Company

When you're seeking disability benefits under a long term disability policy, your medical rec... Read More >

Disability Benefit Denial Reason #3 - Video & Social Media Surveillance

One thing many long term disability claimants don't know about (or expect) from the claims re... Read More >

How Do You Fight a Long-Term Disability Denial?

Getting a denial letter from your disability insurance company is one of the ultimate insults... Read More >

Disability Denial Reason #2 - Change of Disability Definition & Vocational Review

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Disability Denial Reason #1 – Paper Review & IME

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How to Apply for Reliance Standard Disability Benefits & Top 5 Reasons for a Claim Denial

At Dell & Schaefer we’ve handled hundreds of long term disability insurance claims against Reliance Standard, and have learned a few thi... Read More >

Applying for Standard Disability Benefits? Top 5 Claim Denial Reasons

At Dell & Schaefer, we've helped hundreds of clients recover long term disability benefit... Read More >
Dell Disability Cases
(375)
Showing 8 of 375 Dell Disability Cases

Unum Approves LTD Benefits for Pharmacist with Eye Disorder

Rachel Alters of Dell Disability Attorney’s currently represents an Ambulatory Operations P... Read More >

Nearly Three Years Later, Sedgwick Finally Pays Walgreens' Pharmacist's STD and LTD Claim

After three long years of struggling with no income due to Sedgwick's failure to approve her benefits, the claimant is finally awarded the dis... Read More >

Seven Surgeries and The Standard Still Denies Long Term Disability Benefits

Our client was employed with the State of Oregon as a Technical Support Representative. She ... Read More >

Sun Life Wrongfully Denies Disability After Paying For 23 Months

We represent a 57 year-old claimant who’s occupation was selling commercial vehicles for ma... Read More >

Transportation Manager with Brain Injury Wins Unum Disability Benefit Appeal

Unum unjustly terminated our client’s long term disability claim after it had approved and... Read More >
Disability Lawsuit Stories
(765)
Showing 8 of 765 Lawsuit Stories

Unum Tells a Pharmacist On Narcotics That She Is Not Disabled and Denies Benefits

This case is just another example of a Unum claim rep reviewing restriction and limitations p... Read More >

Pennsylvania Pharmacy Owner Learns The Hard Way That Accuracy Is Everything When Applying for Disability Insurance Benefits

On January 28, 2011, the United Sated District Court of the Eastern District of Pennsylvania granted Berkshire Life Insurance Company of Ameri... Read More >

Reliance Standard Disability Denial Upheld Due to Claimant's Lack of Strong Medical Record Support

In the case of Amy Wright v. Reliance Standard Life Insurance Company (Reliance), Plaintiff was the vice-president of... Read More >

Unum Wrongfully Terminated Disabled Lawyer’s Disability Claim of Depression and Anxiety Despite Improvement in His Condition

This Unum lawsuit and appeal in federal court is a great victory for all Unum disability claimants. This ca... Read More >

Federal Court Overturns Aetna Denial Of Disability Benefits

In the recent case of Ferrin v. Aetna Life Ins. Co. a federal judge from the Northern District of Illinois determined that Aetna improperly te... Read More >

Court Finds Irregularities in Procter & Gamble Long Term Disability Benefit Denial

In ERISA cases filed in a district court asking for judicial review of a plan administrator's denial of benefits, the court is generally limit... Read More >

Federal Judge Makes Companion Life Insurance Pay Long Term Disability Benefits

Companion Life tried to play games and deny long term disability benefits, but thankfully a New Mexico Federal Judge made them pay disability ... Read More >

NFL Disability Review Board Ignores Evidence of Disability and Appeal Court Reverses Lower Court Decision

In Darren Mickell v. Bert Bell/Pete Rozelle NFL Players Retirement Plan (Plan), Mickell spent nine years in the NFL as a defensive e... Read More >

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Get Your Disability Application Approved

Our goal is to get your application for disability income benefits approved. Applying for disability 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.

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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 lawyers for a free immediate review of your disability denial.

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Who are Dell Disability Lawyers?

We are disability insurance lawyers 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 lawyers have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement. Our 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 welcome you to contact any of our attorneys 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 700 videos and regularly provide tips to help protect your disability benefits.

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Our lawyers 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 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, GoToMeeting sessions, or Skype. 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.

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When you call us during normal business hours you will immediately speak with a disability 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.