Tag Archives: disability insurance benefits

Provident Life Tries to Short-End Disabled Doctor

Disability insurance companies may try to classify your disability claim as one resulting from “sickness” rather than “accident” or “injury.”  The difference matters because most disability insurance policies include separate sickness and accident provisions that affect limits of disability payment. … Continue reading

Posted in Disability Claim Denials | Tagged , , , , , , , , , , , , , , , , , , , , , | Leave a comment

Women with Disabilities Suffer Greater Risks than Men

A new study by The State Farm Center for Women & Financial Services at The American College indicates women have a higher risk of suffering both physically and financially from disability than men.  One statistic in the study shows women … Continue reading

Posted in Insurance News, Publications/Articles | Tagged , , , , , , , , , , | Leave a comment

Disability Insurance and the Specialized Anesthesiologist: Understanding and Protecting Your Investment

By Edward O. Comitz, Esq. and Patrick T. Stanley; Published in Anesthesiology News As the practice of medicine has evolved and become increasingly more complex and specialized, many physicians no longer describe themselves as simply doctors or surgeons, or even … Continue reading

Posted in Disability Claim Denials, Filing Disability Claims, Publications/Articles | Tagged , , , , , , , , , , , , | Leave a comment

Arizona Disability Insurance Bad Faith and Delegation of Administrative Duties

Under the law in Arizona, the relationship between insurer and insured is a special relationship, giving rise to duties not usually found in other contractual agreements. Rawlings v. Apodaca, 151 Ariz. 149, 163, 726 P.2d 565, 579 (1986); Dodge v. Fidelity … Continue reading

Posted in Disability Claim Denials, Filing Disability Claims | Tagged , , , , , , , , , , , , , , , | Leave a comment

DISABILITY INSURANCE AND THE PHYSICIAN: CAN YOU COLLECT ON YOUR POLICY?

You have worked as a physician for your entire career.  Your spouse and children rely on you, and you have numerous financial obligations both at home and at the office.  The stress and trauma of a disability can cause you … Continue reading

Posted in Disability Claim Denials, Filing Disability Claims | Tagged , , , , , , , , , , , , , , , , , , , , | Leave a comment

Texas Forbids Discretionary Clauses in Insurers’ Policies

The Texas Department of Insurance has promulgated new regulations prohibiting discretionary clauses in health, life, and disability insurance polices in Texas. Discretionary clauses give insurers sole discretion in deciding whether to approve or deny benefits, and affects the standard that … Continue reading

Posted in Disability Claim Denials, ERISA | Tagged , , , , , , , , , , , | Leave a comment

Physicians’ Ethics: When to File a Disability Insurance Claim

A physicians considering filing a disability insurance claim must reach a difficult decision: Is it really time to look after his or her own health? Or should he or she just keep working through the pain? An article in American Medical … Continue reading

Posted in Disability Claim Denials, Filing Disability Claims | Tagged , , , , , , , , , | Leave a comment

Disability Insurance: Who Gets Denied?

According to disability insurance attorney Ed Comitz, the answer is individuals with neck and back pain. Musculoskeletal disorders are 23% of new disability claims, says the Council for Disability Awareness, an insurance industry trade group. Those filing a claim for … Continue reading

Posted in Disability Claim Denials, Filing Disability Claims | Tagged , , , , , , , , , , , , , , , , | Leave a comment

The 10 Biggest Legal Mistakes Physicians Make When Filing a Disability Claim (Mistake #2)

Continuing with the list of the Ten Biggest Legal Mistakes Physicians Make is Mistake #2. MISTAKE NO. 2: Misunderstanding the Definitions of “Disability” and “Occupation” The definition of “disability” varies from policy to policy, as there is no standardization among … Continue reading

Posted in Disability Claim Denials, Filing Disability Claims, Publications/Articles | Tagged , , , , , , , , , , , , , , , , , , | Leave a comment

The 10 Biggest Legal Mistakes Physicians Make When Filing a Disability Claim (Mistake #3)

Continuing with the list of the Ten Biggest Mistakes Legal Mistakes Physicians Make When Filing a Claim for Disability is Mistake #3. MISTAKE NO. 3: Insufficient Documentation. When submitting a claim, physicians must keep meticulous records of all communications with … Continue reading

Posted in Disability Claim Denials, Filing Disability Claims | Tagged , , , , , , , , , , , , , , , , | Leave a comment