What Does a Physician Consultant Do in a Disability Insurance Claim?
At some point during a long-term disability insurance claim, the insurance company may ask a physician consultant to evaluate your case and medical records. When you get this notice, it can lead to worries that your LTD benefits are in danger. You may also wonder how this doctor who has never met you or examined …
How to Talk to Your Doctor About Disability
As you prepare your application for long-term disability (LTD) benefits, you’ll quickly realize how important your doctors’ opinions are to your claim. Unfortunately, many people are uncomfortable discussing their disability with their doctors and avoid these crucial conversations. In this article, Bryant Legal Group suggests some ways you can broach the topics of your disability and functional …
Seventh Circuit: ALJ Impermissibly “Played Doctor” In Denying Fibromyalgia Disability Claim
David A. Bryant & Jennifer Danish On April 4, 2018, the Seventh Circuit Court of Appeals issued an opinion vacating the denial of a Supplemental Security Income disability claim brought by 47-year-old Rebecca Ann Akin, who suffered from fibromyalgia, back and neck pain, and headaches. Akin v. Berryhill, 887 F.3d 314 (7th Cir. 2018). On appeal, …
Physicians’ Guide to Disability Insurance
By: David A. Bryant Highly compensated professionals, physicians in particular, purchased private individual disability insurance en masse in the 1970s, 80s and 90s. Agents selling Individual Disability Insurance (IDI) policies flooded the market as insurance carriers competed for market share of disability premium, fueled by attractive commission rates. This previously untapped disability market, represented hundreds …
What Doctors DO NOT Know About Their Own Disability Insurance
If you enrolled in a Group Disability Plan you have bought fools’ gold: Only covers 60% at most 80% of your earnings Then reduce that 60-80% by any Social security benefits you might receive, benefits will terminate at 65 years old; Usually limits coverage for any “mental/nervous” claims; and Usually governed by ERISA which preempts …