As a physician, you’ve spent years building your career, investing in education, and relying on your health and skill to serve patients. That’s why you took the extra step to purchase Individual Disability Insurance (IDI) — to protect your income if a serious illness or injury ever took you out of practice.
But now, despite a legitimate medical condition, your IDI claim has been denied. The insurance company is minimizing your diagnosis, disputing your limitations, or wrongfully asserting that you can still perform your job.
This is exactly where Dabdoub Law Firm can help.
We Focus on Doctors with Denied Disability Insurance Claims
We’ve represented physicians across the country — from surgeons and anesthesiologists to OB/GYNs and radiologists — in high-stakes disability disputes. Unlike group LTD policies, IDI policies are privately purchased, highly specific, and often include true own-occupation protection.
But that doesn’t stop insurance companies from denying claims or trying to rewrite the policy language.
Common reasons physicians are denied IDI benefits:
The insurer claims you can still work in your occupation despite your condition
Surveillance used to misrepresent your physical capabilities
Paper reviews by doctors who never examined you
The company claims you can work in a "modified" or “consultative” role
Mental health limitations are capped or disputed
The insurer misapplies the own-occupation definition
Insurers argue your practice income wasn’t affected enough
We’ve seen every tactic, and we know how to counter them.
The Risks Are Higher for Physicians
A physician’s career isn’t just a job — it’s a vocation that requires precision, stamina, cognitive sharpness, and the ability to manage high-risk scenarios under pressure. Even a mild impairment can prevent you from safely performing in your specialty.
This is particularly true for:
Surgeons who develop tremors or orthopedic injuries
Anesthesiologists managing complex medication delivery and monitoring
Emergency physicians with cognitive or neurologic impairments
OB/GYNs facing stamina and procedural limitations
Radiologists or internists who cannot maintain focus or visual accuracy
Yet, many insurers try to generalize your job — or argue you can do a watered-down version of it — in order to avoid paying benefits.
You Paid for This Protection. We’ll Make Sure You Get It.
Individual disability policies are often designed with strong own-occupation definitions — meaning the insurer must prove you can perform the material duties of your specific medical specialty, not just “some” job in healthcare.
But they don’t always play fair. That’s why physicians turn to Dabdoub Law Firm.
Why Physicians Nationwide Choose Dabdoub Law Firm
Dabdoub Law Firm is one of the few firms in the country that focuses exclusively on disability insurance claims and litigation — including IDI policy denials for doctors.
We understand:
The complex language in private policies
How own-occupation definitions should protect your ability to do your specific job
How to leverage medical, vocational, and legal evidence to reverse a denial
What it takes to win in federal court — and we’ve done it, again and again
Our key differentiators:
Nationwide Representation – We help physicians in all 50 states
We’ve Taken On Every Major Insurance Company – Including Guardian, Unum, Principal, Northwestern Mutual, MassMutual, The Standard, and more
Proven Track Record in Federal Court – We win where others back down
Litigation Powerhouse for Complex Claims – Especially for physicians and surgeons
No Fees Unless You Get Paid – We only get paid if we win benefits for you
What to Do If Your Physician Disability Claim Was Denied
If your IDI claim has been denied or your benefits have been wrongfully terminated, do not wait to take action. Every day without benefits is lost income — and insurers know delay is in their favor.
Dabdoub Law Firm is ready to:
Review your denial letter
Analyze your IDI policy
Identify errors or bad-faith tactics
Build a strategic appeal or lawsuit to win what you’re owed
Talk to a Disability Lawyer for Physicians Today
Your disability insurance policy was designed to protect your livelihood. If your insurance company is standing in the way, we’re prepared to hold them accountable — and fight until you get the full benefits you deserve.
Call Dabdoub Law Firm today to speak with a disability attorney who has helped physicians nationwide win complex IDI claims.