Orthopedic Surgeon Disability Insurance Claims
Long Term Disability Insurance Attorneys for Claimants Nationwide
Orthopedic surgeons are is tasked with the diagnosis, treatment, prevention, and performing invasive surgical procedures of medical conditions that affect the musculoskeletal system.
Orthopedic surgeons typically have own occupation disability insurance policies, meaning their ability to perform the material duties of their occupation is what is really insured. Own occupation disability policies are designed to allow the insured to work in another occupation and still be considered totally disabled from practicing in his or own occupation.
Total Disability versus Partial Disability
Disability insurance companies sell occupation specific policies with an understanding that you can be totally disabled from your occupation even if you continue working. A surgeon who can no longer perform surgery but can otherwise attend to patients in the clinical setting should be considered totally disabled under the disability policy. Disability insurance companies do not always apply this understanding when it comes to paying claims.
With many years of experience represent orthopedic surgeons, we have seen disability insurance companies deny disability claims because the surgeon continues to work in the clinical setting. The disability company will request significant amount of information pertaining to the physician’s occupation, including CPT billing information. This is done in an effort to frame the surgeon’s occupation in a way that downplays the significance of surgery to his or her practice.
Some of the companies that challenge total disability claims by surgeons include MetLife, UNUM, Principal Financial, Northwestern Mutual, and AXA-Equitable.
If you are having trouble completing your job duties as an orthopedic physician due to a disabling medical condition, this law firm can assist with your claim for disability insurance benefits. The firm has acquired extensive experience in handling disability claims for physicians. We know the tactics insurance companies use to delay or deny claims.
Health conditions that may prevent an orthopedic surgeon from completing necessary work duties may include:
- Back pain
- Carpal tunnel
- Chronic fatigue
- Chronic pain
- Depression and anxiety
- Severe emotional trauma
Call (800) 969-0488 to get a free initial consultation with our team.
We Stand Up to Large Insurance Companies
As an orthopedic physician, you have a variety of demanding daily tasks. Yet insurance companies are not likely to be swayed by your claim. Many insurers have gained notoriety among legal communities for trying to shut down claims whenever possible, even when it is clear from a reasonable perspective that long term disability insurance benefits are absolutely deserved and needed.
At Dabdoub Law Firm, we take pride in the fact that we have dealt with every major insurance company in the country and with great success for our clients. From Aetna and CIGNA to UNUM and Prudential, we have gone head-to-head with them all.
Our core principles as long term disability attorneys are:
- Prioritizing client satisfaction.
- Focusing only on disability cases and claims.
- Preparing each case for trial or federal appeal, just in case.
Throughout our years of practice experience, we have secured literally millions of dollars in disability benefits for our clients. We have helped people in all sorts of occupations, like orthopedic physicians, and in states and cities across the country.
Our Disability Attorneys Can Help You
Dabdoub Law Firm was built to be a disability insurance law firm. Because all our disability lawyers focus on disability insurance claims, we have significant experience with every major disability insurance company and has won important disability lawsuits.
Dabdoub Law Firm can help at any stage of your long term disability claim, including:
- Submitting a disability insurance claim
- Appealing a long-term disability denial
- Filing a lawsuit against your disability insurance company
Hiring an experienced disability attorney is important. Because federal law applies to most disability insurance claims, our lawyers do not have to be located in your state.
Call (800) 969-0488 for a free initial consultation with an experienced disability attorney.