Tag Archives: substantial and material duties

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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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 #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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The 10 Biggest Legal Mistakes Physicians Make When Filing a Disability Claim (Mistake #9)

Continuing with the countdown of The 10 Biggest Legal Mistakes Physicians Make When Filing a Claim for Disability: MISTAKE NO. 9: Accepting the Insurer’s Statement that Subjectively Diagnosed Conditions Are Not Covered Disability insurance companies commonly insist that subjective symptoms, … Continue reading

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

In this series of posts, we are counting down the the 10 biggest mistakes that physicians make when filing disability claims. MISTAKE NO. 10: Tossing Out Application, Policy, and Claims Documents Physicians need to keep copies of all records pertaining … Continue reading

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Too Sick to Work? They Disagree

SmartMoney Magazine has a shocking article in the February 10, 2010 edition regarding the tactics of insurance companies in fighting with disabled insureds over whether they are “too sick to work.” For Lori Dawson, the calls of concern would come … Continue reading

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