The work of a vascular surgeon often involves repairing arteries, blood vessels, and veins and requires a significant amount of precision and concentration. They are responsible for managing vascular system disorders and for performing surgeries and other operations to treat various vascular conditions from which a patient might suffer.
In some instances, vascular surgeons and other professionals may find themselves unable to perform their various work duties due to a long-term injury or disability from which they may suffer. This is when private disability insurance may come into play. Private disability insurance works to provide additional coverage than what is normally provided through Social Security disability benefits. Some private disability insurers will allow for various types of coverage for both partial and total disabilities. In short, the main purpose of private disability insurance is to provide some type of income replacement if you acquire a disabling injury or illness that keeps you from being able to work. Some employers offer long-term disability insurance as a benefit of employment, while other professionals purchase this insurance through a private insurance company.
In many cases, depending upon the insurance company and the policy, long-term disability will supply between 40% and 60% of a professional’s pre-disability income. These benefits are intended to provide you with livable wages if you are unable to work in your chosen medical profession.
Moreover, these long-term disability benefits are typically paid out for a certain number of years. Although denials are not as common as with Social Security disability benefits, they can still happen with private insurers. Your insurance policy will state exactly what constitutes a disability in your profession.
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)
Working as a vascular surgeon can involve a significant amount of concentration and attention, and a serious injury can make it so that you are unable to perform your job duties. The Chicago disability benefits attorneys at Bartolic Law are ready to help you pursue the disability benefits you need and deserve – and with appealing a benefits denial in a timely manner, if necessary.
For a free case evaluation and to schedule your consultation online with a Chicago vascular surgeon disability benefits attorney, please contact us online today for more information about how we could assist.