Of all the occupations, doctors, dentists, and chiropractors undergo the highest level scrutiny when it comes to filing a claim for long term disability insurance benefits. The reason for the high level of scrutiny is often due to the broad scope of a physician’s occupational duties and the dollar amount of the claimant’s monthly disability benefit. Determining the date of disability and the occupational duties of the claimant at the time of disability is one of the most challenging aspects of a medical professional’s claim for disability benefits. In most disability claims, a doctor has a either a degenerative condition or a medical condition that they have been working with for several months or years. When a doctor finally reaches the point where he or she can no longer work, the disability carrier will often argue that the claimant is partially disabled and not totally disabled (see our video discussing residual disability). Some doctors are owners of their medical practice and can continue to earn income even if they stop practicing. In this situation, a disability carrier will attempt to argue that the claimant is partially or residually disabled as they were an office administrator as well as a doctor at the time of disability. Some doctors stop working or sell their practice and then seek disability benefits without first obtaining treating doctor medical support. Timing, medical documentation, occupational activity documentation and financial documentation are essential when it comes to filing a claim for long term disability benefits.
Our team of disability insurance lawyers has helped hundreds of surgeons, doctors, physicians, chiropractors, dentist, and nurses to collect long term disability insurance benefits. Our disability division was started by representing medical professionals. We have dealt with just about every disability application scenario imaginable and have experience with the disability insurance policies that have been sold by every disability insurance company and medical association. As a medical professional, you need to have a plan in place when it comes to filing a claim for disability insurance benefits. Doctors earn substantial income and in most cases the disability policy is a significant reduction in annual income. We understand that our client’s financial livelihood is dependent on the approval of long term disability benefits. We are committed to doing whatever it takes to make sure that our clients have the best possible chance of collecting benefits to which he or she is eligible for.
We encourage you to obtain a copy of your disability policy and contact us for a free consultation to discuss either your potential or current disability claim. Upon request we can provide you with the ability to speak with past clients in your similar occupation that have retained our law firm. We look forward to helping you.