Tag Archives: disability insurance claim

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

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Once ERISA, Always ERISA: How and why to avoid having your disability insurance policy controlled by The Employee Retirement Income Security Act of 1974

Disability insurance carriers have increasingly used The Employee Retirement Income Security Act of 1974 (ERISA) to their advantage.  While ERISA was supposed to be for the protection of employees, it is actually being used to protect insurance companies and employers. … Continue reading

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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

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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

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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

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Disability Claims and Social Media: Be Careful What You Post On Facebook

The Los Angeles Times reports today about an old tactic, in a new form, that insurers use to support their efforts to deny or terminate disability insurance claims.  Insurers frequently use surveillance as a tool in their strategy to deny … Continue reading

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Facebook Photos Result in Termination of Disability Benefits

The CBC has reported that Nathalie Blanchard, who was on long-term disability leave from her job at IBM due to depression, had her monthly benefits terminated after she posted photographs of herself on Facebook that depicted her vacationing, having fun at … Continue reading

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Comitz | Beethe at the Arizona Osteopathic Medical Association’s 30th Annual Fall Seminar

Comitz | Beethe, a business partner of the Arizona Osteopathic Medical Association, will be an exhibitor tomorrow at the 30th Annual Fall Seminar at the Omni Tucson National in Tucson, Arizona.  The topic at this year’s Tucson convention is  collecting on disability insurance … Continue reading

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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

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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

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