Chiropractor Disability Claims

Chiropractors become chiropractors to help others, but it is also how they make their living. Most chiropractors pay significant premiums for disability insurance policies to insure against an inability to continue to practice due to a disabling injury or illness.

Chiropractors are one of the types of doctors with the highest rate of disability insurance claims. Given the physically and psychologically demanding nature of the profession focused on treating patients, perhaps it should come as no surprise. Further, the number one cause of disability internationally is back pain. Considering the significant bending, stooping, pushing, pulling, and lifting required of a chiropractor each day, it may also not come as a surprise that many chiropractors sustain low back injuries that ultimately disable them from the profession of chiropractic.

Any number of physical or psychiatric medical conditions can cause a chiropractor’s career to end, because they can easily interfere with a chiropractor’s ability to fulfill the high physical and psychological demands of the profession to safely treat patients. Even the average American has nearly a 1 in 3 chance of becoming disabled at some point during his or her career, but a chiropractors risk is higher.

Chiropractors who purchased private disability insurance coverage to protect themselves and their families from devastating financial loss when disabling illness or injury strikes are further distraught when their disability insurance company denies their valid claim. A chiropractor’s disability insurance claim is an expensive liability, and thus highly scrutinized and often fiercely litigated by disability insurance carriers who promised to pay benefits in the event of disability under the policy.

Understanding deceptive insurance carrier tactics, confusing insurance policy terms and the information needed to prove disability is critical to the prompt and successful resolution of a chiropractor’s disability insurance claim. The attorneys at Disability Insurance Law Group are well-versed in the nuances involved in successfully maneuvering the disability claims minefield for many types of professionals, including chiropractors. We are not a high volume firm that handles cases in a generic "run of the mill" manner. Instead, we are dedicated to identifying the unique issues in each case and providing careful attention to each client. We understand the demanding and unique nature of the profession of chiropractic, and have gone up against some of the biggest disability insurance companies underwriting insurance for chiropractors.

Our reputation for meticulous preparation of disability insurance claims and aggressive representation of chiropractors is known and respected by insurance companies and their attorneys. Our lawyers fight for the benefits our chiropractor clients paid for and were promised in order to obtain the results they deserve. Let us deal with them for you, and contact one of our experienced attorneys today for a free consultation.