Tag Archives: disability insurance policy definition

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

Which Type of Disability Insurance Policy Do You Own?

Disability insurance policies come in several types. The type of policy you purchase affects your legal rights and the benefits you may receive. Here is an overview of the basic types of disability insurance policies. Individual Disability Insurance: As the … Continue reading

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

Disability Claims in Today’s Economy

In this economy, filing a disability insurance claim can be daunting. Insurers have a strong incentive to deny payment of “high-end” claims (such as those filed by medical professionals) in order to protect their bottom line. A few tips can … Continue reading

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

What is the difference between an “own-occupation” disability insurance policy and an “any-occupation” policy?

The language in disability policies varies greatly from company to company, and each policy must be reviewed separately to determine the insured’s rights under the policy. Generally speaking, though, an “own-occupation” policy will define “total disability” as a condition that … Continue reading

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

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

Posted in Uncategorized | Tagged , , , , , , , , , , , , , , , , , , | Leave a comment

The 10 Biggest Legal Mistakes Physicians Make When Filing a Disability Claim (Mistake #1)

We have been counting down the list of the 10 Biggest Legal Mistakes Physicians Make When Filing a Claim for Disability. Today we post the number one mistake physicians make when filing a disability claim. MISTAKE NO. 1: Failing to … Continue reading

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

Northwestern Mutual’s Website Shows How Disability Insurers Interpret and Apply “Own Occupation Coverage”

Northwestern Mutual Life Insurance, a major disability insurer for dentists and physicians, has recently created a new website, the “Disability Income Insurance Knowledge Center.” Northwestern claims that this website will assist policyholders in understanding the terms of their own-occupation disability … Continue reading

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

Regulate Yourself: Physicians Underreport Impaired Colleagues

A study by the Journal of the American Medical Association (JAMA) suggests that physicians often do not report colleagues suffering from a disability. Patients are instead forced to rely upon their doctor’s own assessment of his health; this can endanger patients … Continue reading

Posted in Business, Publications/Articles, Resources | Tagged , , , , , , , , , , , , , , , , , , , , , , , , , , | Leave a comment

Your Insurance Company “Likes” You on Facebook

Insurers are making full use of the plethora of detailed information available on the Internet to keep tabs on claimants. Facebook, MySpace, Twitter, Google+, and other social networking websites are used to scope out claimants with the hope of catching … Continue reading

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

Why Is It So Hard to Collect on My Disability Insurance Policy?

Phoenix disability insurance attorney Ed Comitz’s article, “Why Is It So Hard to Collect on My Disability Insurance Policy? Avoiding Mistakes when Filing a Claim, was published by Whitehall Management in its May/June 2010 Newsletter magazine. In the article, Ed … Continue reading

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