If you are a physician, dentist, or other professional considering filing a claim on your disability insurance, there are some important documents you should collect and keep organized in order to properly understand and document your claim, including:

1. Your disability insurance policy
2. The application for insurance
3. Notes from meetings with the insurer’s sales agents and letters exchanged with them
4. Notes of telephone conversations with your staff at your insurance company
5. Letters exchanged with your insurance company
6. Emails exchanged with your insurance company
7. Medical records
8. Billing records from your medical or dental practice
9. A daily pain journal, if applicable.

Be sure to keep all of your disability insurance paperwork and notes in an organized file, and if you have to file a claim, consider contacting an experienced attorney who can assist you with interpreting your policy, presenting your claim, and communicating with your insurer.

Edward O. Comitz, Esq. heads the Health and Disability Insurance Practice Section at Comitz | Beethe, 6720 N. Scottsdale Rd., Suite 150, Scottsdale, Arizona 85253, (480) 998-7800. Mr. Comitz has extensive experience in disability insurance coverage and bad faith litigation, primarily representing medical and dental professionals in reversing denials of their disability claims. For more information about disability insurance issues, please visit our disability insurance attorney website at http://www.disabilitycounsel.net.