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  • Residual Disability Insurance Claims and Applying For Disability Benefits

Doctors, Dentists, and Chiropractors Disability Insurance Policy

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.

FAQ

Do you work in my state?

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.

What are your fees?

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.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com 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.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer 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.

Dell & Schaefer Client Reviews   *****

Bart L.

Mr. Jessup and Ms. Arriga were great. They organized all my medical records and physican statements into an appeal package, and presented a strong case to Cigna. As a result of the package and their hard work Cigna had no choice but to reinstate my disability payments.

I want to say thank you to both of them, my wife has been very sick with cancer for the last year and her condition had really got worse since November. This is going to reduce a lot of stress on both of us and allow me to concentrate on her care. The firm is very lucky to have you working for them.

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