Tag Archives: disability insurance policy

Provident Life Says Disabled Doctor Must Undergo Surgery or Lose Benefits

A disability insurance policy may condition a doctor’s disability benefits upon his consent to receive “appropriate” medical treatment, which may include surgery, according to the California court in Provident Life & Accident Ins. Co. v. Henry. In Henry, a disability … Continue reading

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Disabled Physicians May Not Provide Self-Treatment

Many disabled physicians making a claim for disability benefits have asked our disability insurance attorneys whether they can treat themselves rather than spend additional time and money on another physician.  The answer is no. Most disability insurance policies contain provisions … Continue reading

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Surgeon Who Can’t Perform Surgeries May Not be “Totally Disabled,” Says Court

In our previous post, we looked how one California court analyzed the interpretation of “total disability” as applied to a gynecologist’s claim for disability benefits.  In this post, we look at another California case, Gross v. UnumProvident Life Ins. Co., … Continue reading

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Court Says Doctor Still Performing Minor Surgeries Not Disabled

Under California law, an insured claiming coverage under an insurance policy has the burden of proving entitlement to such coverage.  See Royal Globe Ins. Co. v. Whitaker, 181 Cal.App.3d 532, 537, 226 Cal.Rptr. 435, 437 (1986).  Therefore, in the disability … Continue reading

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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

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Physician’s Guide to Choosing a Disability Insurance Policy

For doctors, disability insurance can be an essential step for protecting income in case they no longer practice. However, the insurance industry has made policies so confusing that it can be difficult to choose the right disability policy with the … Continue reading

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When Doctors Become Patients

A recent New York Times article by Eric D. Manheimer, medical director of Bellevue Hospital Center and author of the memoir “Twelve Patients”, gives a firsthand account of what it’s like for a physician to suddenly become a patient.  This … Continue reading

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Don’t Toss the Policy: Important Documents for a Disability Insurance Claim

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: Your disability insurance policy The … 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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