Nurse-midwives do not simply assist women at the time of childbirth. Rather, they also diagnose and treat various prenatal medical conditions, conduct exams, and in some circumstances, might write out a prescription. Nurse-midwives also counsel and advise expectant mothers. They will work to monitor the health and welfare of both the mother and her child before the birth.
Due to the physical constraints and limitations of working as a nurse-midwife, it is a good idea to have a private disability insurance policy in place if you are doing this work. This is because Social Security disability benefits can sometimes be difficult to obtain. In addition, it can be difficult to prove to the Social Security Administration that you are suffering from a disability, and denials are extremely common.
If you have a policy of private disability insurance in place, this policy can step in to provide some income replacement in the event you suffer from an illness or injury that keeps you from working as a midwife. If your job as a midwife does not automatically supply disability benefits to you, you might be able to apply for these benefits through a private insurer.
Although a private disability insurance policy will not likely pay for all of your salary if you are unable to work as a midwife, it may supply between 40% and 60% of your current earnings. These benefits also typically last for an agreed-upon number of years. If your private insurer denies your disability application, a knowledgeable midwife disability benefits attorney could assist you with appealing that claim denial and pursuing the benefits that you need.
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)
Chicago disability benefits lawyer Michael Bartolic can help you pursue disability benefits under a private insurance policy if an illness or injury prevents you from being able to work at your job. Please speak with us today to learn more about how we could assist you with the process. For a free case evaluation and to book a consultation online with a Chicago nurse-midwife disability benefits attorney, please contact us today.