Disability Claims for Doctors

Disability Claims Attorney for Doctors

Doctors' Disability Claims AttorneyMedical professionals face a unique set of challenges when it comes to long-term disability insurance claim filing, claim denials, and underpayment. This is often because long-term disability (LTD) and disability insurance companies tend to target medical professional’s claims due to their high salaries and high benefits.  This is also why you need an experienced doctors’ disability claims attorney, like the ones at Eric Buchanan & Associates, on your side. Disability insurance companies target these claims because they know how to take advantage of the work conditions and employment settings medical professionals have. Of course, the insurance companies don’t say this outright; instead, they will look for other reasons to deny highly compensated medical professionals.

Doctors and other medical professionals face unique challenges when they file a disability benefits claim. At Eric Buchanan and Associates, we are familiar with the special policies that have been sold to doctors and other medical professionals. We have handled cases for all types of medical professionals, and are familiar with the many different ways that disability insurance companies try to save money by denying legitimate claims.

Have You Recently Been Denied Your Claim Benefits?

For many disability insurance companies, the story is a repetitive one.  Disability insurance companies make wonderful promises about the coverage found in their disability policies, but when a medical professional files a claim, the story changes from promises made to promises broken.  Our disability team at Eric Buchanan and Associates has experience holding insurance companies to their promises and helping medical professionals get the benefits they deserve.

There are many reasons insurance companies will try to deny claims for medical professionals, and we are familiar with the insurance companies’ tactics and techniques.  What follows are a few examples of the way insurance companies deny or delay paying claims.

  • Many insurance companies promise doctors that their policies will be very generous, and will cover the doctor’s “own specialty,” but when the doctor actually files a Long Term Disability claim, the insurance company will say that because the doctor can still do part of the job, the doctor is not disabled or not entitled to full benefits.  Sometimes the policy is not written in a way that reflects what was promised to the medical professional buying the policy, while in other cases, the insurance company is trying to ignore what it promised in the policy.  Our disability team is familiar with this tactic, and can help fight to get the benefits you were promised.
  • Disability insurance companies try to save money by saying that the claimant is not “fully” disabled by the insurance company’s definition.  If the insurance company determines that the insured is only partially disabled based on their definition of “disabled” in the policy, meaning that the insured can still perform certain duties of his or her profession even while suffering the condition, the claim can be denied, or the insurance company will pay only part of the benefits.  For example, some policies say if a person is totally disabled before a certain age, such as age 55, then benefits are payable for the person’s lifetime.  But, in order to avoid paying lifetime benefits, the insurance company will find the person only partially disabled at age 55.
  • Disability insurance companies deny claims because the person did not file within the time required from when the person first had a loss of earnings.   Oftentimes, when medical professionals get sick or injured, they are very busy trying to get better and still treat as many patients as possible, but as their own health gets worse, their income may drop. .  But, because the medical professional is busy, and also may not keep track of net income on a monthly basis, by the time he or she realizes the  loss of earnings is enough to file a claim, several months may have passed.  The insurance company has little sympathy with this reality, and will either say that the claim has been filed too late, or that at least it was too late to allow for all the benefits to be paid.
  • Disability insurance companies will try to look you up on social media and will try to use what they find there to help deny your claim.  Sometimes people post pictures of difficult activities, such as hiking or skiing while they claim they are disabled.  Maybe sometimes they are currently doing those activities, and really aren’t disabled, what we see more often is someone posts an older picture from before the time he or she got sick or developed a health problem.  But, if you are not careful, the insurance company will certainly use that information to say that is what you are currently doing.  While you should never delete information in order to hide it, if you file a disability claim, you should set your privacy settings to a level that only your real friends can see.  Most importantly, you should avoid posting anything that would give the insurance company ammunition to show you can work more than you really can.
  •  No matter how hard you try to comply with requests for information from the insurance company, the insurance company will claim you failed to cooperate with the investigation.  After filing a claim, disability insurance companies conduct their investigation to determine if the claimant qualifies under its interpretation of “disabled.” During this time, they may request extensive documentation of the disability as well as financial statements, tax returns, etc. Failure to comply will result in the insurance company denying coverage and terminating the policy.  However, even when you do submit those documents, the insurance company will claim “we never got them” or “we need you to send them again” when what they are really doing is just trying to deny making a decision or paying the claim.

When things like the above occur, experienced attorneys, like our team at Eric Buchanan and Associates, will advise you what does and does not constitute a proper and reasonable request. Refusing to produce improper requests from the insurance company may well be within your rights, especially if they are asking for the same information you have already provided to them, and should not affect the policy or benefits. With our help, you can be protected from the insurance company’s attempts to find any information that may be used to wrongfully deny your claim or to stop the insurance company from using the tactic of requiring you to submit the same information over and over.

Contact Eric Buchanan’s Disability Team Today

Professional disability insurance is an asset that is essential to your continued livelihood and success and is worth fighting for; the best way to avoid denial of your claim is to consult an attorney who has expertise in disability insurance law before taking action.

We are a dedicated team of long-term disability insurance attorneys and will be happy to discuss any of these issues with you. For more information and assistance in collecting the full benefits from your insurance coverage, contact us today.