Disability Claims for Cancer Survivors: When Treatment Ends but the Side Effects Don’t
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The Fine Print of Policy Language: How Disability Insurers Use Ambiguities to Their Advantage
Disability insurance policies contain terms that appear clear at first glance—phrases like “own occupation,” “reasonable care,” and “ongoing proof of loss.” However, these seemingly straightforward terms can carry hidden meanings...
Understanding Elimination Periods and Benefit Triggers in Long-Term Care Policies
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I was so scared when my disability insurance company denied my claim. I had no idea how to prepare an appeal. I thought I would lose my house. They walked...
Former Client
I contacted Disability Insurance Law Group and they have been taking care of me since that first call. Alicia and her staff fought for me and kept me informed at...
Ms. B.
As a practicing general dentist for 35 years I did all the right things I was told to do by advisors. When I became unable to practice dentistry after a...
Dr. S.
My experience being a client of Ms. Mindy Chmielarz of Disability Insurance Law Group: I contacted Mindy from an advertisement after reviewing her AV rated status from her legal peers on...
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I realized one year ago I was going to need to file my disability claim and was urgently in need of expert legal counsel. My claim was extremely complicated and...
Dr. FM
am very grateful to Mindy Chmielarz for helping me with my disability claim. She is extremely experienced and knowledgeable in disability law. She was a tremendous asset and it was...
BT
I worked as a teacher for 15 years. I was in a car accident and despite 3 surgeries, I remained in constant pain. I filed my claim for disability insurance...
Paula R.
I struggled to continue to practice as a dentist after I was diagnosed with MS. After I developed a tremor in my hands, I knew I could no longer treat...
Dr. G.
I never imagined that I would have to discontinue my medical practice due to a disability. Unfortunately it happened, but I had appropriate disability insurance coverage. I knew that proper...
Dedicated Attorneys Representing Disabled Doctors Throughout the U.S.
At Disability Insurance Law Group, our Florida and nationwide physician insurance claims attorneys know our clients have made significant investments — including time, money, education, and training — to advance their careers and become the doctors they always wanted to be.
Once they make it to this position — whether they work for themselves, operate a practice, or work for a medical facility — their unique capabilities are the most important financial asset they have going forward.
When the unexpected happens, and they cannot work because of an injury or illness, filing a long-term disability insurance claim can help ensure their livelihoods are not lost.
The challenge is actually collecting disability insurance benefits after filing a claim, as insurance providers will do all they can to dispute or deny it. If there has been a change in your ability to work as a doctor, our disability insurance attorneys represent physicians in Florida and throughout the U.S. who are facing resistance from their insurance companies, so they can pursue the benefits they deserve to move forward with confidence
What is the Difference Between Total Disability and Residual Disability for Doctors?
Physician disability policies usually provide two definitions for a disability: total and residual disability, which is defined by a physician’s overall ability to work.
Total disability is usually defined by a doctor’s illness or injury that leaves them unable to perform the substantial or material duties of their occupation. These are the acts required to perform their job and cannot be reasonably left out or modified.
If you are suffering from an illness or injury that leaves you unable to perform the substantial or material duties of your occupation, as defined by the language in your unique disability insurance policy, you may be eligible to collect total disability benefits and work in another industry/profession.
Residual disability is defined by a doctor’s inability to perform one or more of the important duties of their occupation or are unable to perform duties they were performing pre-disability.
To qualify for residual disability, doctors must have — and be able to show through financial records — a 15% or a 20% loss of their pre-disability income. Both the pre-disability income and the percentage of loss will also be defined by the unique language in each physician’s disability policy.
To determine which disability claim is right for you, as a physician, we will help you outline an extensive and well-documented medical history and other crucial documentation that provides the evidence necessary to achieve results. Together, we can objectively show the change in your condition, and pursue the benefits you deserve.
At Disability Insurance Law Group, we also offer insurance claims for the following occupations:
Contact Our Experienced Disability Insurance Claims Attorneys for Doctors Today
No matter which insurance company holds your physician disability insurance spolicy, or if you have already been denied disability benefits, our attorneys will provide the exact legal representation you need to pursue results. We are more than disability insurance lawyers for doctors in Florida and throughout the U.S.: We are client advocates who represent real people, not case numbers, who have a real need to pursue their disability insurance policies for the coverage they have paid for as doctors.
Allow us to take the lead in your case and pursue real results that allow you to enjoy the quality of life that comes with putting your claim behind you, just as we have successfully done for thousands of professionals across the nation.
Contact our skilled disability insurance attorneys for doctors today by calling 954-989-9000 or contact us online to schedule a completely free and confidential case assessment, so we can put our over 50 years of combined experience to work for you — no matter where you work or live in the U.S.
Do You Need Legal Counsel? We Invite You To Contact Us For A Free Consultation.
Fill out the form and we’ll be in touch with you shortly, or call us now at 954-989-9000.