Pharmacist Disability Benefit Claims & Tips For Getting Benefits Paid

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 Company Reviews
(627)
Showing 8 of 627 Reviews
Sun Life

What a mess

Reviewed by Unknown on September 12th 2023   Verified Policyholder | July 2020 date of disability
This place has no idea what day it even is. First they attach my claim to my previous claim in which was a new claim. They messed up and denied me then made me wait yet ag... read more >
Reply
Sent on September 12th 2023 by Attorney Gregory Dell

I am sorry to hear what you are experiencing. Make sure you deal with Sunlife writing and follow up every day. If you would like assistance please contact us.

Sedgwick

I was disabled 2003 by SS. I got SSDI 7 years too late.

Reviewed by Bunny on August 9th 2023   Verified Policyholder
I believe if Sedgwick would have moved on my Claim. They absolutely did everything not to answer my calls, change dates. I had already been through WV comp. Ins. Sold out,... read more >
MetLife

Only care about $$$$$

Reviewed by Allen Cox on August 8th 2023   Verified Policyholder | September 2013 date of disability
PLAY THEIR GAME FIGHT FIRE WITH FIRE.....after getting a copy of the insurance policy from my HR. I nipped a lot of the headaches quickly by calling their bluff word for w... read more >
Reply
Sent on August 8th 2023 by Attorney Gregory Dell

Allen,
Sorry to hear what you have been through. I am glad you fought back.

Sedgwick

They falsify documents and avoid contact as much as possible.

Reviewed by Jeff Allsop on July 27th 2023   Verified Policyholder | February 2023 date of disability
They avoided sending the documents needed for the claim for two weeks. I had to escalate with a call from my company's HR and Sedgwick (the only way I was ever able to get... read more >
Hartford

This company is a scam!

Reviewed by Hana K. on July 13th 2023   Verified Policyholder | December 2022 date of disability
The Hartford does not pay claims. The Hartford only collects premiums. The Hartford doesn’t care if you are terminally ill. I’ve been employed at my employer since 201... read more >
Prudential

California State Disabilty "OFFSET" never mentioned or outlined when enrolling for STD coverage.

Reviewed by MartyG on June 29th 2023   Verified Policyholder | May 2023 date of disability
All terms and conditions of receiving a claim benefit not made available when enrolling. Hidden elements of eligibility... not fully transparent with issues that might eff... read more >
Sedgwick

Not getting paid

Reviewed by Cezes on June 15th 2023   Verified Policyholder | March 2020 date of disability
I been battling Sedgwick about my claim. I was to get paid today and I did not get paid.Sledges is the worse company I ever had to deal with. I been fighting with my b... read more >
Sedgwick

Sedgewich is the worst-immediate denial of all requests for treatment. Rubber stamps DENIED ALL RFA’s

Reviewed by J on May 31st 2023   Verified Policyholder | August 2023 date of disability
Sedgewich immediately denies all RFA. They’re ur team are THEMSELVES not a independent medical team…
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Unum Approves LTD Benefits for Pharmacist with Eye Disorder

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

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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 >

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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 >

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 >

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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 >

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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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In Anne Ehlert v. Metropolitan Life Insurance Company (MetLife), Ehlert was a consulting pension actuary for pension plans at Towers... Read More >

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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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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.