Bartolic Law has worked with many kinds of Physicians in pursuing long-term disability insurance claims, advising them on their rights and obligations under the policies, and strategic planning during disability to maximize overall income and preserve the policies’ protections. In some cases, we worked with the client in structuring the claim, as accurately documenting a doctor’s duties and tasks often involves review of historical billing and procedure codes. We have challenged denials and adverse decisions based on whether the client was disabled, or the amount of the benefit. We have also advised physicians on disability contemplating a return to work in a reduced capacity or different role, protecting as much of the client’s future income as possible.
In one case, we worked with a physician who had become disabled and wanted to accept a new role in research, instead of clinical practice. Because changing employers would subject the client to a new policy’s pre-existing condition exclusion for 12 months, we advised the doctor through the benefits and drawbacks of working in a new role for the same employer, where the doctor would remain covered under the same policy, and a new employer, where the doctor would lose coverage under the policy if the compensation exceeded a certain threshold. This strategic planning helped the client maximize total income between partial disability and the substitute employment.
If you worked even a day as an emergency room doctor, you know how intense and stressful this position can be. It is critical to have all of your physical and mental faculties in top order so you can best serve patients who might be in crisis. This can be a tiring yet rewarding position, and many ER doctors are devastated when they learn that a disability will keep them from performing their jobs for a long period of time. Not only are you likely distressed about the disruption of your hard-earned career, but also regarding how you are going to support yourself and your family without your ER doctor income.
You should be able to rely on your disability insurance to cover you in this situation, but this does not happen automatically, and it can be a stressful process. While you focus on your health, allow a Chicago disability attorney to focus on your claim for benefits. We can help from the start of the process or jump in if you need assistance due to delays or a denial.
Ferrin v. Aetna Life Ins. Co., 336 F. Supp. 3d 910 (N.D. Ill. Sept. 28, 2018) (holding insurance policy’s grant of discretionary authority is void under Texas law due to certificate being issued after effective date of regulation, and policy renewing after effective date, and holding Plaintiff was disabled from Any Reasonable Occupation where treating doctors certify she can sit at the occasional level, and insurer’s consultants opine Plaintiff can sit frequently, as weighing all evidence together would make capacity likely at low end of frequent range at best).
Sadowski v. Tuckpointers Local 52 Health & Welfare Trust, 281 F. Supp. 3d 710 (N.D. Ill. Dec. 20, 2017) (holding plan was arbitrary and capricious in denying medical benefits for removal of spinal cord stimulator following a fall down the stairs and infection where plan argued the expenses were caused by the same injury as the car accident necessitating implantation of the stimulator years earlier)
Tassone v. United of Omaha Life Ins. Co., 264 F. Supp. 3d 867 (N.D. Ill. Aug. 30, 2017) (awarding client long term disability benefits denied by United of Omaha despite insurer’s doctor opining there was no objective evidence of functional impairment)
Suson v. PNC Fin. Servs. Grp., Inc., No. 15-CV-10817, 2017 WL 3234809 (N.D. Ill. July 31, 2017) (holding Liberty Mutual’s denial of client’s long term disability benefits was arbitrary and capricious where Liberty Mutual disregarded client’s carpal tunnel syndrome and relied on a vocational opinion to which client never had an opportunity to address before litigation)
At Bartolic Law, we help many types of medical professionals seek disability benefits when they need them most. Our Chicago disability lawyer knows how to take on insurance companies to fight for the benefits you deserve, so please contact us to discuss your situation and how we can help.