Bartolic Law helps Cardiologists with their long-term disability claims, and strategically planning their existing and future claims. Whether you have an Individual Disability Insurance policy, group long-term disability insurance coverage through an employer, or both, we can help. Cardiologists often have group coverage, and a supplemental Individual policy, and they have unique features to mind. One client contacted us after already having a disability claim approved. The client contemplated changing employers to work in a non-clinical role, being disabled from clinical work as a Cardiologist.
While Individual Disability Insurance policies follow you from one employer to the next, a group policy is tied to a specific employer. Accepting a job beyond a certain earnings threshold, even if you cannot sustain the work, could jeopardize the coverage from a former employer’s policy. We advised the client on strategy on how to maintain protection from the group policy even if changing employers, as a new employer’s policy would contain a pre-existing condition exclusion.
When you decide to go into a highly specialized area of medicine like invasive cardiology, you commit to a long journey of education, residency, and building your reputation and experience. Invasive cardiologists work to save the lives of patients with various heart abnormalities and conditions, and they usually do not expect to be diagnosed with a disabling medical condition themselves. Unfortunately, disabilities do not discriminate, and even invasive cardiologists can have their ability to work impacted by a mental or physical condition.
Whether a disability prevents you from performing your job functions or prevents you from even leaving the house, you want to make sure you have the necessary financial resources as you lose your income. Disability insurance policies exist to provide support in this type of situation, but insurers are also in the business of making profits. This too often involves denying valid claims of disabled claimants. The insurer is hoping that you do not fight back against the denial, but you should never wait to discuss an appeal with a Chicago disability insurance attorney.
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)
The disability claim process can be challenging, and it can help to have the right lawyer preparing and filing your claim from the start. However, if you file your claim on your own and receive a denial, it is certainly the time to reach out to Bartolic Law. We can help, so please contact us for more information today.