For an otolaryngologist or other medical doctor who is on his or her feet for long periods of time, it is extremely important to have a private long-term disability policy of insurance in place. This is so that in the event you suffer an injury or illness that prevents you from working, you can still recover a portion of your income.
Even though you might be eligible to recover Social Security disability benefits, it can be difficult to convince the Social Security Administration that you are truly disabled. If that is the case, your private disability insurance policy could come into play and provide you with the compensation that you need. Although denials are not as common with private disability policies as they are with Social Security disability benefits, these denials can still happen.
Chicago disability benefits attorney Michael Bartolic can help you pursue the long-term disability benefits to which you are entitled under your insurance policy. Please speak with us today to find out more about how we can assist you with the process.
While your ability to work may be put on hold, your bills and financial needs will not wait until you return to your job. Benefits can make the difference in your future between living with constant financial concern or having additional stability.
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)
An experienced Chicago otolaryngologist disability benefits lawyer will help you pursue the benefits that you need from your insurance policy. Furthermore, if the insurance company denies your disability benefits claim, we could assist you with appealing that claim denial and pursuing the benefits you need.
The Chicago disability benefits lawyers at Bartolic Law can assist you throughout the process of acquiring your private disability insurance benefits. For a free case evaluation by a Chicago otolaryngologist disability benefits attorney, and to book your consultation online, please contact us today.