Disability Claims for Doctors Attorney
Professional Disability Claims for Doctors Lawyer Serving Clients Around the Country
Medical professionals face unique challenges when navigating long-term disability (LTD) insurance claims, claim denials, and underpayments. These challenges often arise because disability insurance companies target medical professionals’ claims due to their high salaries and substantial benefits. These companies know how to exploit the unique work environments and employment settings of doctors and other healthcare providers to their advantage. While insurers don’t admit to these tactics outright, they frequently find other justifications to deny claims made by highly compensated medical professionals. This is why having an experienced disability claims for doctors attorney, like the team at Eric Buchanan & Associates, is crucial for protecting your rights and securing the benefits you deserve.
Specialized Legal Expertise for Medical Professionals
Our long-term disability lawyers are familiar with the specialized policies tailored for medical professionals. We have successfully represented doctors, surgeons, nurses, and other healthcare providers, understanding the nuanced strategies disability insurers use to minimize or deny legitimate claims. Whether you’ve been denied benefits outright or offered reduced compensation, we can help hold these companies accountable.
Has Your Disability Claim Been Denied?
Many disability insurance companies make sweeping promises in their policies, assuring medical professionals of comprehensive coverage. However, these promises often fall apart when it’s time to file a claim. At Eric Buchanan & Associates, we have extensive experience holding insurers accountable to their commitments and helping medical professionals recover the benefits they were promised.
Common Tactics Insurers Use Against Medical Professionals
Here are some common scenarios our clients face and how we can help:
Partial Disability Claims:
Many policies promise to cover a doctor’s “own specialty,” yet insurers often claim the physician can still perform some aspects of their job, rendering them ineligible for full benefits. Our attorneys understand these tactics and will advocate to secure the full benefits your policy guarantees.
Shortened Benefit Periods:
Some policies offer lifetime benefits if total disability occurs before a certain age, such as 55. Insurers frequently claim the individual is only partially disabled by that age to avoid paying lifetime benefits. We’ve helped many clients fight these reductions and prove their rightful eligibility for lifetime coverage.
Missed Filing Deadlines:
Medical professionals often delay filing claims, continuing to work despite illness or injury. Insurers may exploit this delay to argue that the claim wasn’t filed within the policy’s allowable time frame. Our disability claims for doctors attorney understands the dedication medical professionals show to their patients and knows how to counter these arguments.
Misinterpreted Social Media Posts:
Social media evidence is a common tool for insurers to deny claims. For instance, a photo of an activity you performed years ago may be used to argue you’re not disabled. While we don’t recommend deleting old posts, we do advise setting profiles to private and being cautious about new content.
Excessive Documentation Requests:
Insurers often request extensive paperwork, including financial statements, tax returns, and medical records. Even when you comply, they might claim documents are missing or require resubmission, delaying payments and creating unnecessary hardship. We can intervene to ensure you provide only what is required and challenge unreasonable demands.
Protect Your Rights with an Experienced Disability Attorney
If you’re being treated unfairly by an insurance company, our team at Eric Buchanan & Associates can provide the guidance you need. We can help you understand what the insurance company is legally allowed to request and protect you from unreasonable demands or delays. Our goal is to ensure you receive the full benefits you’re entitled to under your policy.
Contact Our Disability Claims for Doctors Attorney Today
Professional disability insurance is vital to your livelihood and career stability. The best way to protect this essential asset is to consult a knowledgeable disability claims attorney before taking action.
At Eric Buchanan & Associates, our dedicated team of attorneys has the expertise to navigate complex insurance policies and defend your rights. Contact us today to learn how we can assist you in securing the full benefits you deserve.
