Tag Archives: disability insurance policy definitions

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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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

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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

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The 10 Biggest Legal Mistakes Physicians Make When Filing a Disability Claim (Mistake #4)

MISTAKE NO. 4: Blindly Attending an Independent Medical Exam   Insurers may ask physicians to agree to undergo an “independent” medical examination, where the insurer chooses and pays the person conducting the examination. This person may not even be a … Continue reading

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The 10 Biggest Legal Mistakes Physicians Make When Filing a Disability Claim (Mistake #5)

Mistake #5 in the list of the 10 Biggest Legal Mistakes Physicians Make When Filing a Claim for Disability is: MISTAKE NO. 5: Believing All Mental Conditions Are Excluded or Subject to Limitations Many disability insurance policies terminate benefits for … Continue reading

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The 10 Biggest Legal Mistakes Physicians Make When Filing a Disability Claim (Mistake #6)

MISTAKE NO. 6: Engaging in Inadequate Communication with Treating Physician Physicians should not immediately inform their treatment provider that they are considering applying for a disability insurance benefit. They should wait until after several visits. Because physicians often hesitate to … Continue reading

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The 10 Biggest Legal Mistakes Physicians Make When Filing a Disability Claim (Mistake #7)

Next in the list of The 10 Biggest Legal Mistakes Physicians Make When Filing a Claim for Disability: MISTAKE NO. 7: Quantifying Time Insurance companies ask physicians to quantify their time among activities and then investigate whether the physician is … Continue reading

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The 10 Biggest Legal Mistakes Physicians Make When Filing a Disability Claim (Mistake #8)

Next in the series of the the 10 Biggest Legal Mistakes Physicians Make When Filing a Claim for Disability is Mistake #8: MISTAKE NO. 8: Ignoring the Possibility of Surveillance Insurers commonly use surveillance to catch physicians who have filed … Continue reading

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Presenteeism: When Doctors Don’t See Doctors

A recent article in the Journal of the American Medical Association suggests that presenteeism—working while sick—has reached epidemic proportions among doctors. The study found that three out of five residents had continued working while sick.  At one hospital, 100% of … Continue reading

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In Today’s Uncertain Financial Environment, How Difficult Will It Be for You to Collect on Your Disability Policy?

In the July/August 2010 edition of The Journal of Medical Practice Management, Ed Comitz discusses the difficulties that physicians face in collecting under their disability insurance policies in today’s economy. The full article is indexed in Medline and can also … Continue reading

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