Typically, psychiatrists see clients in an office setting and provide what is commonly referred to as “talk therapy.” They prescribe medications aimed at helping their clients move toward good mental and emotional health. While some psychiatrists specialize in particular disorders, many psychiatrists see clients with varying disorders. Providing a safe space to discuss the client’s needs and issues may include providing the client with empathy as the client delves into emotionally painful areas of their life. A psychiatrist often works alone with the client. This isolation can add significant stress over time. And all too often, a psychiatrist will be overworked. Seeing too many clients regularly does not allow time to rest and recuperate, leading to stress, distress, and impairment. In addition to sitting with clients, a psychiatrist keeps notes on the client’s condition, prescribes medications, and consults with peers. Much of the work done by a psychiatrist is done sitting down for long periods daily. Most often, the primary medical conditions arise from stress and prolonged time of sitting.
These conditions can include cardiovascular disease, high blood pressure, heart attacks, depression and anxiety, and chronic back and neck pain. In addition, any debilitating disease such as dementia, stroke, or severe arthritis in later years may prohibit a psychiatrist from engaging in their regular duties with clients. Disability insurance can protect a psychiatrist’s income and provide financial well-being and peace of mind should they become disabled. All too often, a medical professional who has taken care of others for years is precluded from collecting disability insurance benefits because an insurance adjuster determines that they can work in a different position or that their stress is not debilitating.
The purpose of the “own occupation” insurance is to protect both the income and the specialty of the purchasing physicians. A psychiatrist is disabled if they are unable to work in their own profession. Other times, an adjuster will deny benefits after scrutinizing a claimant’s job description.
Job descriptions are rarely designed to reflect all the physical acts that are engaged in the profession daily. An unscrupulous adjuster will often blanket a claimant with requests for additional documentation with the express purpose of delaying and then denying the claim.
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)
You may need the intervention of an experienced Chicago disability insurance attorney to resolve the matter. An attorney can help you every step of the way, from filing or appealing a claim to arbitration or trial, and your attorney will fight for your rights when you are disabled.
Your disability insurance claim is important for your present and your future. It deserves to be handled professionally, and you deserve to have an experienced attorney on your side. We handle complex disability claims for Chicago professionals, and Bartolic Law is ready to help you. The case evaluation is free, and you can schedule a consultation online.