Radiologist Disability Insurance Information You Should Know
If you work as a Radiologist and are in need of disability benefits, it is important to understand what it takes to get your long term disability claim approved. Our disability lawyers have helped hundreds of Radiologists nationwide and we know what the disability insurance companies require in order for your long term disability benefits to get paid. In our Radiologist Disability Insurance video, attorneys Gregory Dell and Cesar Gavidia discuss common disability insurance claim issues related to Radiologists, whether you are already on disability, have been denied disability, or if you are planning to file a disability claim.
How Do Disability Companies Define the Occupation of a Radiologist?
The job duties of a Radiologist will vary significantly, depending on what clinic or hospital you work for and in what area of medicine you practice, so it is important that insurance companies understand these potential variances. The definition of disability in most group and individual plans is often very broadly defined and will look at your occupation as a Radiologist as it is performed in the national economy, and not focus on what you may actually do for your employer. In other words, the insurance company may ignore some of the duties you perform on a daily basis when reviewing your disability claim to include traveling, lifting requirements, and how much you may need to walk. There is no broad-sweeping definition of a Radiologist or Interventional Radiologist. It will be important to explain all of the duties you are required to perform.
What Can You Do To Clarify The Demands Of Your Occupation?
Insurance companies have a tendency to make your occupation very black and white with respect to the physical and mental demands and will fall back on the DOT description even though it is likely not relevant, and will want to simply say your occupation is “sedentary” or “light”, so it is crucial that you ensure the insurance company understands the full scope of what is required in your occupation. The insurance company is going to try and simplify your occupation as much as possible. They will not take into account the cognitive demands and the degree of focus required to work as a Radiologist with little to no room for error. Suggesting that a Radiologist merely sits at a desk all day is a complete disservice to how demanding the occupation of a Radiologist is, both physically and mentally. It is crucial that you explain all of the demands of your occupation as a Radiologist in as much detail as possible.
Can You File For Residual Disability Benefits While Working Part-Time?
You can file a claim for disability even if you can work part-time and not yet claim total disability. Your efforts to continue working establishes your credibility and desire to continue working, even if it is challenging. If, down the road, you have to file for total disability and not work at all you have demonstrated that you are driven to return to work and that is the ultimate goal, but your medical condition, symptoms, and limited level of function, has simply made that impossible. Performing some of your duties but not all, may still make you eligible for residual disability benefits under the Plan.
How Do You Win Long Term Disability Benefits?
Having a strategic plan in place before applying for long term disability benefits, or if your claim is denied and you need to appeal is crucial. With all disability claims, establishing and continuing regular care with your treating physicians and being able to provide medical support for why your condition interferes with your ability to perform your occupation as a Radiologist is what is required to win your long term disability benefits. Having a conversation with your physician, and documenting those conversations and medical findings to support your inability to work is a necessary step in getting your disability claim approved.
[PICTURE] ———
Insurance companies primarily determine if you are disabled as a Radiologist based on the medical evidence and the restrictions provided by your medical providers. Insurance companies may not dispute your diagnosis, but the adage we often hear is that a diagnosis does not equal disability in the eyes of the insurance company. More often than not they will dispute the restrictions and statements of your physicians with their own medical reviewers. Explaining why you cannot work and perform all or even some of your normal work duties to your physician is essential. You must have a strategic plan regarding your long term disability claim and be prepared to provide detailed medical and vocational evidence to get your claim approved.
How Our Attorneys Can Help You Get Approved for Disability Benefits
You should search our website and learn much more information about your disability insurance company and the process of obtaining short or long term disability benefits. We have already represented hundreds of Radiologists and we know what to expect and know how to help you. We represent claimants nationwide and have hundreds of references available. Give our attorneys a call and we will provide you with an initial free review of your policy or your denial letter if you’ve been denied. We will let you know right away if we can assist with your disability claim.
Resources to Help You Win Disability Benefits
Disability Benefit Denial Options
Submit a Strong Appeal Package
We work with you, your doctors, and other experts to submit a very strong appeal.
Sue Your Disability Insurance Company
We have filed thousands of disability denial lawsuits in federal Courts nationwide.
Protect Your Benefits
Get Your Disability Application Approved
We help claimants throughout the entire application process.
Prevent a Disability Benefit Denial
We manage every aspect of your disability claim following claim approval.
Negotiate a Lump-Sum Settlement
Our goal is to negotiate the highest possible buyout of your long-term disability policy.
Disability Company Reviews
(617)
Showing 8 of 617 Reviews
Prudential
Prudential terminated my LTD, so now I have no income
I was working at a shipyard at San Diego and hurt my back again while working. Hurt my back in the US Navy in 98 and had issues since then so I decided to get the surgery ... read more >
Reply
Lincoln Financial
Lincoln Financial made my life a living hell
Lincoln Financial made my life a living hell. I went on medical leave from my job just to work for them basically. My mental health is worse than it was and I still do not... read more >
Reply
MetLife
They demanded an overpayment, stopped my claim, and lied about it
Metlife over paid me. Stopped my Ltd claim. The overpayment were not done right. They lied and said they deposited money in my account.
Reply
Sun Life
Sun Life is a real pain
Sun Life is a real pain. I just want them to buyout my long term disability policy, but they keep playing around and around. I just to be left alone and given my lump sum ... read more >
Reply
Unum
I feel like Unum is giving me the runaround!
I have contacted UNUM multiple times since I’ve needed them. I feel like they are giving me the runaround! Please help!
Reply
Cigna
Payment delays!
I have a Long term disability claim with Cigna. Approval process did not take too long and they did start my LTD just a few days after my STD ended. First check was mailed... read more >
Cigna
Cigna (NYL) denied my claim
I’ve been an RN for 31 years. I lost 6 family members (3 of those to cancer) in 9 months and suffered a breakdown, I just couldn’t watch people die anymore. Cigna (NYL... read more >
Cigna
Hold up on payments!!!
I have had 3 people on my case since July 2021! This last person Amanda S drag her feet on my claims and payments. I literally have to go to my mom for help! When I contac... read more >
Answered Questions by Our Lawyers
(0)
Helpful Videos
(729)
Showing 12 of 729 Videos
Disability Benefit Tips
(324)
Showing 8 of 324 Benefit Tips
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 >
Guardian Disability Benefit Claim Handling Tips
When you finally receive a letter from Guardian Disability informing you that your claim for ... Read More >
Application Tips: Northwestern Mutual Disability Benefits - Top Denial Reasons
Every disability insurance policy is different, and whether your disability insurance claim i... Read More >
Is UNUM a Good Insurance Company?
One common question the attorneys here at Dell & Schaefer receive comes from policyholder... Read More >
Don’t Ignore Disability Insurance. Here’s What to Buy.
Disability insurance is one of the most important insurance products, yet the vast majority of people working don’t have it. 35% of employer... Read More >
How To Get Long Term Disability Benefits Approved Due To Neck Pain
If you have a disability claim that involves neck pain, you might be wondering exactly how mu... Read More >
What is disability insurance? What type of disability income policy should you buy?
Disability insurance also known as disability income insurance is an insurance product that will pay a monthly benefit amount if you are unabl... Read More >
Dell Disability Cases
(349)
Showing 8 of 349 Dell Disability Cases
Hartford Denies Disability Benefits To Home Depot Employee 3 Weeks Before Change of Disability Definition
Our client was a former in-store merchandising associate responsible for the movement of merc... Read More >
Lincoln overturned its previous denial of LTD benefits for Escalation Engineer
Our client, Mr. E, formerly worked as an Escalation Engineer for a national data services and data management company. For many years Mr. E ... Read More >
JP Morgan Chase Financial Advisor With Cancer Wins Prudential Long Term Disability Appeal
Our client was a 58 year old private client advisor for JP Morgan Chase Bank. He wa... Read More >
The Standard, Ameritas and Sun Life Agree to Pay Residual Disability Benefits to General Surgeon
Our firm represents a general surgeon who can no longer perform surgeries on a full-time basi... Read More >
NY Life Disability Benefits Reinstated on Appeal Despite Independent Medical Examination
Our client, a former high level medical sales representative, suffered from chronic pain stem... Read More >
Unum Approves LTD Benefits for Pharmacist with Eye Disorder
Rachel Alters of Dell Disability Attorney’s currently represents an Ambulatory Operations P... Read More >
Teacher's Disability Benefits Reinstated by MetLife
Our client, a former elementary school teacher in Broward County Florida was forced to stop w... Read More >
Billing Manager With Back Disorder Wins Unum Long Term Disability Denial Appeal
Despite suffering with chronic knee and back pain for 7 Years, Unum still needed to be convi... Read More >
Disability Lawsuit Stories
(764)
Reviews from Our Clients
