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Radiologists and IDI Denials: What to Do When Your Disability Insurance Company Says No

Radiologists and IDI Denials: What to Do When Your Disability Insurance Company Says No

As a radiologist, your work requires continuous focus, visual accuracy, and sustained mental and physical performance. Even a minor impairment in your cognitive processing, vision, or stamina can prevent you from safely interpreting images—putting patients at risk and ending your ability to practice in your specialty.

That’s why many radiologists invest in Individual Disability Insurance (IDI)—to protect their income in the event of an illness or injury. But when the insurance company denies your IDI claim, the safety net you planned for becomes a new battle.

At Dabdoub Law Firm, we represent radiologists nationwide in IDI denials, appeals, and lawsuits. When insurers refuse to honor their promise, we step in and fight back.

Why Radiologists Face Unique IDI Challenges

Radiology is often misunderstood by insurers. Because it may not appear physically strenuous, insurers sometimes argue that a radiologist can still work in a "reduced capacity" or in another medical specialty—even if the radiologist's core responsibilities are no longer safe or possible.

Radiologists face IDI denials for conditions such as:

  • Visual disturbances or degradation
  • Cognitive issues including brain fog or memory problems
  • Chronic fatigue or post-viral syndromes
  • Tremors or musculoskeletal disorders affecting hand stability
  • Stress, burnout, or mental health impairments impacting attention
  • Neurological illnesses like multiple sclerosis or Parkinson’s
  • Long COVID symptoms affecting concentration or visual processing

Even small deficits can prevent a radiologist from reliably interpreting scans—yet insurers often try to dismiss these issues as minor or manageable.

Insurers Don’t Understand Radiology—We Do

Insurance companies often use tactics designed to deny or reduce IDI claims, such as:

  • Arguing that you can still read scans “part-time”
  • Suggesting a switch to administrative work or teleradiology
  • Disputing the severity of symptoms like fatigue or cognitive decline
  • Using file reviewers who never meet you
  • Misrepresenting your job duties or qualifications
  • Minimizing the impact of a diagnosis on your ability to perform

Many IDI policies have an own-occupation definition of disability, which means you’re entitled to benefits if you can’t perform your specific job as a radiologist, not just any medical role.

At Dabdoub Law Firm, we ensure your insurance company honors that language—and your policy.

What You Need to Appeal a Radiologist Disability Claim Denial

To fight a denial, you’ll need strong evidence that addresses your specific job duties and the ways your condition prevents you from performing them.

That may include:

  • Updated diagnostic reports and medical records
  • Supporting statements from your treating physicians
  • Functional capacity evaluations or neuropsychological testing
  • Vocational assessments documenting your occupational limitations
  • Detailed policy analysis showing you meet the definition of disability

We work with medical and vocational experts who understand radiology—and we know how to present evidence that makes your case clear and compelling.

Why Radiologists Nationwide Choose Dabdoub Law Firm

Dabdoub Law Firm is not a general practice firm. We are a team that focuses solely on disability and life insurance law. We’ve represented physicians of all specialties, including radiologists, in high-value private disability insurance disputes across the country.

We bring experience, strategy, and results to every case.

Our firm stands out because:

  • We offer nationwide representation for IDI claims and appeals
  • We’ve taken on every major disability insurance company
  • We have a proven record of success in federal and state courts
  • We’re a litigation powerhouse for complex IDI and own-occupation claims
  • You pay no legal fees unless we win your case

Don’t Let an IDI Denial End Your Career or Threaten Your Financial Security

If you can no longer work as a radiologist and your private disability insurance company refuses to pay, don’t face them alone. We know the language of these policies, we understand the tactics insurers use, and we have the legal power to challenge wrongful denials.

Talk to a Disability Lawyer Who Knows Radiology

Your training, reputation, and future are too valuable to leave in the hands of an insurance company focused on profits. At Dabdoub Law Firm, we’ll help you appeal your denial, assert your rights, and fight for the full benefits you deserve.

Contact us today for a free consultation. You pay nothing unless we win.