Unum Provident approves physiologist’s claim for disability benefits

Following bilateral hip surgery, a physiologist that had an “own occupation” disability policy hired our firm to help him better understand the terms of his policies and see if he was eligible for benefits. While he was no longer able to perform the substantial and material duties of his specialty, this doctor did not want to sell or forego his practice. Instead, he planned to hire another doctor and simply monitor the progress and treatment plans of his patients. Additionally, he wanted to seek medical director positions with nursing homes and other healthcare facilities in order to stay active in the medical field. After gaining an understanding of this client’s duties, his medical specialty and his restrictions and limitations, we agreed to represent him during his application for disability benefits and throughout the evaluation process.

All documents and information in support of our client’s eligibility for disability benefits were provided to the insurer. We further advised the insurer that while this doctor could no longer perform the substantial and material duties of his own occupation, he would continue to work in a completely different and much more sedentary capacity. After much back and forth with the insurer, including in depth conversations about the subject disability contract and the law, they agreed that he was disabled under the terms of his disability policy. As such, this doctor continues to receive monthly disability benefits while working as a medical director for a number of facilities and keeping track of his patients. Because the insurer continues to seek information and proof of disability, this doctor still retains our firm to represent him in his ongoing claim for benefits.

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FAQ

Do you help Provident claimants nationwide?

We represent Provident clients nationwide and we encourage you to contact us for a FREE immediate phone consultation with one of our experienced disability insurance attorneys.

Can you help with a Provident disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from Provident. We have helped thousands of disability insurance claimants nationwide with monthly disability benefits. With more than 40 years of disability insurance experience we have helped individuals in almost every occupation and we are familiar with the disability income policies offered by Provident.

How do you help Provident claimants?

Our lawyers help individuals that have either purchased a Provident long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer.

Our experienced lawyers can assist with Provident:

  • ERISA and Non-ERISA Appeals of Disability Benefit Denials
  • ERISA and Non-ERISA Disability Benefit Lawsuits
  • Applying For Short or Long Term Disability Benefits
  • Daily Handling & Management of Your Disability Claim
  • Disability Insurance Lump-Sum Buyout or Settlement Negotiations

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.

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