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doctor's disability insurance appeals handbook

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Get Practical Advice From Lawyers Who Focus on Physicians’ Disability Appeals

There is a lot at stake when you are a physician who is unable to work due to a severe injury, illness, or chronic condition. After all, the average general surgeon made $373,000 in 2020 and the average orthopedist earned $511,000. (And a significant number of doctors make much more.)

Losing that much income can put everything you have worked so hard for at risk. That is why you purchased disability insurance, right?

We know how frustrating and stress-inducing it is to get a letter from the insurance company denying your disability insurance claim. The lawyers at Bryant Legal Group have been helping doctors get the short-term and long-term disability benefits they deserve for decades. We understand the unique challenges of your individual or employer-sponsored disability policies.

That is why we created The Doctor’s Disability Insurance Appeal Handbook.

Disability Appeals, Simplified

You deserve honest, real-world advice, and our disability insurance lawyers have carefully outlined the essentials in our Physician Handbook. We will help you understand your policy, identify possible red flags and complications, and educate you about your legal options.

Our guide explores a variety of topics, including:

  • Three sections of your policy you cannot ignore
  • Five steps you will need to take when appealing a short-term or long-term disability insurance denial
  • How to determine whether you have a true “own occupation,” “own specialty,” or “any occupation” policy
  • Common mistakes that physicians make during disability appeals—and how to avoid them

We will decode ERISA and other disability insurance laws, highlight common filing deadlines, and explore the many types of disability policies that you might have.

BRYANT LEGAL GROUP:

Illinois’ Trusted Disability Insurance Team

Located in Chicago, Bryant Legal Group focuses its practice on complex disability insurance claims. Our team has helped people recover millions in disability benefits, and we want to put our experience to work for you. We handle cases involving both privately funded and group disability insurance policies.

We also love to chat. If you have questions about your eligibility for disability insurance benefits, contact our firm today. You can reach us at (312)586-9650 or by completing our online form.

The content provided here is for informational purposes only and should not be construed as legal advice on any subject.

Get Practical Advice About Your Complex Legal Issues

Our Chicago Insurance Attorneys Are Here to Help

Contact Bryant Legal Group

Get the answers and insight you deserve. Our experienced disability insurance lawyers can evaluate your claim and help you understand all your legal options.

Request Your Free Consultation

Get the answers and insight you deserve. Our experienced disability insurance lawyers can evaluate your claim and help you understand all your legal options.

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disability insurance roadmap

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To download our complimentary resource, simply complete the form below.

Streamline Your Application With Our Disability Insurance Claim Roadmap

At Bryant Legal Group, our Chicago insurance lawyers are devoted to helping policyholders navigate insurance contracts and resolve insurance claims with their carriers. We have decades of collective experience working with clients to obtain the benefits they are owed under their disability, life, and long-term care insurance policies. We know how insurance companies operate and understand the obstacles they will put in your way to prevent you from receiving the money to which you are entitled.

Learn How To Navigate A Disability Insurance Claim

Unlike the dense language of your insurance company policy, our Disability Insurance Claim Roadmap outlines the essentials of a short-term or long-term disability claim in plain English. It includes valuable resources that can help you streamline and simplify your claim.

  • What to expect during a claim
  • Glossary of common disability insurance terms
  • Worksheets and checklists to help you prepare your claim

Disability Insurance 101

Short-term and long-term disability insurance provides monthly benefits when you cannot work due to an illness, injury, or chronic health condition. Roughly one-third of Americans have some form of disability insurance, either as an employee benefit or through a private policy, according to the U.S. Bureau of Labor Statistics.

Because these policies are typically funded by for-profit insurance companies, their terms and conditions vary. As you start your disability insurance journey, you must review and understand your policy’s precise language. Otherwise, you might make mistakes that reduce or eliminate your monthly benefits.

To understand your policy’s requirements, you should review one of two documents: 
  • Plan Document or  Policy:  discusses all the terms and conditions of your coverage in detail. This document may be hard to read, but it is an authoritative source and will govern the requirements for benefits as well as what benefits you may be entitled to. 
  • Summary Plan Description:  outlines your policy’s most important rules and requirements, like how it defines disability, its filing deadlines, and any limitations it places on benefits. While easier to read, it will not provide as much detail as the Plan Document. 
As you review your policy’s language, consider  the following issues:
  • Whether you are disabled under your plan
  • How much you will get in benefits 
  • What laws apply to your claim 
Our guidebook includes tools and insight that can help you understand your policy’s precise terms and benefit formulas.

How Do I File A Disability Insurance Claim?

Once you understand the basic terms and conditions of your policy, you can start preparing your claim. This involves a lot more than just filling out an insurance company form, so you should not rush the process. 

  • Get organized and build your case
  • File your disability insurance claim 
  • Navigate the claims adjuster’s investigation 
  • Consider your appeal options (If needed) 
It is important that you follow these steps carefully, since a single mistake can jeopardize your disability insurance benefits. 

Getting Organized And Building Your Case

You will need a lot of information to complete your disability insurance application. The insurance company will ask for information about your diagnoses, symptoms, treatment plan, medications, and work history. You will find the process a lot easier and less stressful if you prepare in advance.

That is why our guidebook includes a series of worksheets and checklists that will help you prepare your claim. These tools can track your symptoms and doctor’s appointments, outline your work history, and make sure you have the essentials covered in your application.

BRYANT LEGAL GROUP:

Illinois’ Trusted Disability Insurance Team

Located in Chicago, Bryant Legal Group focuses its practice on complex disability insurance claims. Our team has helped people recover millions in disability benefits, and we want to put our experience to work for you. We handle cases involving both privately funded and group disability insurance policies.

We also love to chat. If you have questions about your eligibility for disability insurance benefits, contact our firm today. You can reach us at (312)757-7269 or by completing our online form.

The content provided here is for informational purposes only and should not be construed as legal advice on any subject.

Get Practical Advice About Your Complex Legal Issues

Our Chicago Insurance Attorneys Are Here to Help

Contact Bryant Legal Group

Get the answers and insight you deserve. Our experienced disability insurance lawyers can evaluate your claim and help you understand all your legal options.

Request Your Free Consultation

Get the answers and insight you deserve. Our experienced disability insurance lawyers can evaluate your claim and help you understand all your legal options.

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A Claimant’s Guide to UNUM Claims and Tactics

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To download our complimentary resource, simply complete the form below.

Our Practical Guide Explains the Insurance Giant’s Most Common Tactics and How to Fight Back

UNUM is notorious for denying disability insurance claims and using unscrupulous tactics. Whether your UNUM disability policy is privately funded or an employee benefit, you need to be ready for delays, surveillance, and frustration.

That is why Bryant Legal Group created UNUM Disability Insurance Claims: A Practical Guide for Claimants.

Our free guidebook includes practical advice and insight that will help you navigate your short-term or long-term disability claim. While nothing compares to personalized advice from one of our lawyers, our UNUM disability insurance guide can help you simplify your claim and avoid common mistakes.

Real-World Advice From Experienced Disability Insurance Lawyers

UNUM often does everything in its power to deny, delay, and reduce the value of its insureds’ disability insurance claims. If you’re not well-prepared, you might lose out on the valuable benefits you deserve.

Our team of disability insurance lawyers has a long history of standing up to UNUM. In this guide, we explain disability insurance law in plain English and offer practical advice that you can implement today.

Our UNUM disability insurance guide explores many topics, including:

  • The company’s history of mishandling disability insurance claims
  • What to expect during your claim and the appeals process
  • Four ways that UNUM tries to weaken disability insurance claims and discredit claimants
  • How you can fight back and demand the benefits you deserve

Were You a Victim of UNUM’s Unscrupulous Tactics?

Like many insurance companies, UNUM uses underhanded tactics to deny valid disability claims, including Cadillac claims. Our law firm has experience handling their tactics; here are four of the most common for claimants to look out for.

  • Offering claims adjusters financial incentives to deny valid claims
  • Using surveillance and field interviews to damage your credibility
  • Relying on loopholes in your policy to deny your claim
  • Intentionally frustrating claimants like you with unnecessary red tape and delays

 

Unfortunately, these tactics can be effective when claimants do not know all the signs that they are being scammed, or how to fight back. In UNUM Disability Insurance Claims: A Practical Guide for Claimants, we outline everything you need to know.

 
Guy talking on the phone
It is important that you follow these steps carefully, since a single mistake can jeopardize your disability insurance benefits. 
BRYANT LEGAL GROUP:

Illinois’ Trusted Disability Insurance Team

Located in Chicago, Bryant Legal Group focuses its practice on complex disability insurance claims. Our team has helped people recover millions in disability benefits, and we want to put our experience to work for you. We handle cases involving both privately funded and group disability insurance policies.

We also love to chat. If you have questions about your eligibility for disability insurance benefits, contact our firm today. You can reach us at (312)586-9650 or by completing our online form.

The content provided here is for informational purposes only and should not be construed as legal advice on any subject.

Do You Have Questions About Your Disability Insurance Claim?

Schedule a Free Consultation

Contact Bryant Legal Group

Get the answers and insight you deserve. Our experienced disability insurance lawyers can evaluate your claim and help you understand all your legal options.

Request Your Free Consultation

Get the answers and insight you deserve. Our experienced disability insurance lawyers can evaluate your claim and help you understand all your legal options.

This field is for validation purposes and should be left unchanged.