Currently, the AMA offers group policies underwritten by New York Life Insurance Company (“NY Life”). These policies contain unique provisions, including an own occupation protection. This means, that even if you are able to work in a different field of medicine, if you are unable to perform your medical specialty, you will still be eligible to receive disability benefits.
NY Life Disability Insurance Policy Terms
The details vary in the policies New York Life offers, so it is important to pay close attention to the language in your policy. There are various elimination periods depending on the policy you chose and pay for.
The NY Life policy issued to the AMA covers a total disability that begins while the insured is covered under the policy. The disability must prevent the insured from performing the material and substantial duties of their own occupation, including their medical specialty.
Filing a Disability Insurance Claim with NY Life
If you are suffering from an injury or illness that prevents you from working in your occupation, you should submit your claim as soon as possible. Under the terms of the policy, there are timelines under which you must submit your claim.
After initiating the claim with NY Life, the insurance company will send forms to be completed by you and your doctor. You will also be required to submit medical records substantiating your disability. It is critical that you have a treating physician to support your claim.
Forms and medical records are not always enough, though. Our experienced disability insurance attorneys can help guide you through this process. We will work with you to formulate a strategy, including additional evidence to submit with your claim. Our goal is to strengthen your claim with overwhelming evidence of disability.
This does not only mean medical evidence though. This includes evidence of your inability to perform in your occupation such as documents detailing CPT codes and procedures performed, office and clinical duties, or surgery schedules.
We have successfully represented physicians with disability insurance claims against NY Life. We understand how insurance companies review these claims, including the occupational information necessary to prove your disability.
Help from a Lawyer with Expertise in Disability Insurance
Disability insurance law is complex. Hiring an experienced disability attorney is important. Because all disability lawyers at this law firm focus on disability insurance claims, we have expertise in disability insurance law.
- We have experience with every major disability insurance company;
- We have a proven track record of success by winning major disability lawsuits;
- We have recovered millions of dollars in disability benefits for clients;
- We never charge fees or costs unless our clients get paid.
The firm can help at any stage of your disability insurance claim, including:
- Submitting a disability insurance claim,
- Appealing a long-term disability denial,
- Negotiating a lump-sum settlement, and
- Filing a lawsuit against your disability insurance company.
Because federal law applies to most disability insurance claims, our lawyers are able to represent clients across the country.
Call us at (800) 969-0488 or send us a message online to speak with an experienced disability attorney. Consultations are free.