Dabdoub Law Firm, Disability Insurance & ERISA Attorneys have significant experience representing doctors and dentists who have a claim for total disability insurance benefits with their insurance company.
Many doctors have individual disability insurance that is known as an “own occupation” disability policy. This type of disability policy protects your income if you become disabled from practicing in your specific field. Own occupation disability policies allow you to be paid total disability benefits even if you work in another occupation.
Insurance companies use several tactics, however, to avoid approving total disability benefits. One method is to delay approving the disability claim by constantly requesting information. Another common tactic is to approve residual or partial disability benefits only. The insurance company may seek to deny total disability because you continue to work, although in a different capacity than before you became sick or injured.
The Claim & Investigation Process
Your disability insurance company will request documents and information related to your practice as part of its investigation of your disability claim. It is important to present the disability claim in a way that accurately portrays your occupation from the outset.
We are familiar with the improper claim practices that disability insurance companies use to deny or delay payment of disability benefits. If you have an “own occupation” disability policy, our disability attorneys can help with the application process. If your disability claim was denied or if your disability benefits were terminated, we can appeal that decision for you or file a lawsuit for total disability benefits. We also negotiate lump-sum settlements for people regularly receiving disability benefits.
Call (800) 969-0488 to speak with a disability insurance attorney. We will answer your questions and can give you a free disability case consultation. The firm helps clients nationwide.