Question
Do I need to be completely out of work to file for disability?
Individual own occupation with transitional rider. Private practioner almost 20 years same practice. Over 90% small procedure based. Fell in parking lot last winter. Multiple degenerative changes exacerbated. Still working full time with medical only workers compensation claim open. Have modified posture, instrument grasping techniques, allotting additional time to perform procedures, decreased patient load. While some days are harder than others, every day there is pain. The pain carries over into personal life and activities. MRI studies reveal significant cervical and shoulder changes. Unlikely to ever be able to perform the substantial duties of work in the customary way again. I love my work, alot. I would like to continue to do the aspects of my work that I’m still able to for as long as possible. Is this a situation where a claim should be filed? Do I need to be completely out of work to file for disability?
Answer
Doc, I am sorry to hear of all the issues you are having due to your fall. In all likelihood, the policy you have coverage under allows for a Partial Claim for disability benefits where you will not need to be completely out of work to file a claim and receive benefits. However, in order to truly answer your question, we will need to review a copy of your policy. Please contact us at your convenience and we will gladly review your policy and have a free phone conference with you.
