Tag Archives: own occupation policy

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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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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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

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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

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Arizona Disability Advocacy Coalition Honors Cottonwood Grocery Store

The Safeway grocery store in Cottonwood, Arizona was recently honored at the Arizona Disability Advocacy Coalition’s ADA Gala.  The store received the Justice and Equality Employment Liberty Award as “a community member or organization that has made a positive, proactive … Continue reading

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Disability Community Leaders Honored

The Arizona Disability Advocacy Coalition (AzDAC) recently announced the recipients of their 2010 Americans with Disabilities Act Awards. This year marks the 20th Anniversary of the Americans with Disabilities Act. Those honored included: Arizona Humane Society and the Cottonwood Safeway … Continue reading

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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

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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

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Colorado Enacts Legislation Blocking Bonuses for Denials

In March 2010, the Colorado Senate proposed legislation aimed at prohibiting insurers from paying bonuses or other financial incentives to claims adjusters for denying or delaying meritorious claims or medical care. The legislation was prompted by a 60 Minutes investigative … Continue reading

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