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Author: Seltzer & Associates

I Was Denied. What Now? Understanding Your Denial Letter

Receiving a denial letter from your disability insurance company can be devastating. You may be suffering from injury or illness and unable to work, and now your disability insurer is telling you that they will not honor the coverage for which you paid premiums. As a healthcare professional, you made a sensible choice to purchase disability insurance coverage to secure your financial future in the event a disability prevented you from working. An insurance company denial letter should not deter you from exercising your rights and pursuing your claim for disability insurance benefits. Reach out to a Philadelphia disability insurance […]

Can I Receive Benefits for Bulging Disc Pain?

Back pain can be disruptive to any worker in any job role, but medical professionals can be quite susceptible to back injury due to the physical demands of the profession or specialty.  Any type of injury to the back or spinal disease can become severe enough to result in disability. Back pain is a seemingly common occurrence and many people overlook the severity of the symptoms or merely work through them. Be mindful of your condition and symptoms as you may be eligible to receive disability insurance benefits for bulging disc pain. Bulging disc pain is a result of discs […]

Top 3 Reasons Why Your Disability Benefits May Be Denied

Receiving a disability insurance claim denial can be overwhelming. You are already facing medical issues, time away from work, and uncertainty about the future. You do not need to add appealing your disability claim to the list. Disability insurance is supposed to relieve some of the stress experienced in times of disability by providing financial security to you and your family. Seltzer & Associates treat our medical and dental professionals with dignity and respect. You will not be brushed off because of a common condition. We understand that your disability insurance benefits may be the key to future financial security […]

Healthcare Professionals Mental, Nervous Long Term Disability Claims Jumped in 2020

Nov 30, 2021 in Articles by

Mental and nervous disabilities are affecting our healthcare professionals at rapidly increasing rates. This can be attributed to the rise in awareness surrounding mental health disorders, recognition of the severity of these conditions, and the limitations they pose on medical professionals. Another unfortunate reason for the jump in long term disability claims among healthcare professionals for mental and nervous disorders is the long term stress and burnout caused by dealing with Covid.  Covid-related claims for disability insurance benefits have created some questions as to claim coverage by insurance companies. Working with a Philadelphia disability insurance lawyer on your Covid-related claim […]

Does a Doctor’s Chronic Back Pain Qualify for Disability?

Nov 23, 2021 in Articles by

Chronic back pain can be debilitating and prevent doctors from working or participating in activities of daily living. Your disability insurance coverage should be available to provide you with financial security while you are unable to work due to disabling chronic back pain. Seltzer & Associates can assist you in pursuing these benefits regardless of your location. Chronic back pain can keep doctors from medical practice for extended periods depending on severity level. In addition to the physical limitations caused by illness or injury, the chronic pain suffered can contribute to declining mental health in doctors. The treatments for chronic […]

How ERISA May Affect Your Long Term Disability Benefits

Nov 16, 2021 in Articles by

Insurance companies do not make it easy for their insureds to obtain long term disability benefits. Complex filing procedures and continued proof of loss requirements may give insurance companies opportunities to deny or terminate your benefits. When you are unable to work and are suffering from a disabling condition, the last thing you want to do is engage in battle with your insurance company over your long term disability insurance benefits. However, a Philadelphia ERISA benefits lawyer can handle your claim as well as any ERISA issues, disability insurance denials or terminations. Insurance companies are, first and foremost, profit-seeking businesses. […]

Physician Burnout: Factors and Consequences

Oct 29, 2021 in Articles by

Physicians, surgeons and dentists have stressful, demanding careers. Caring for patients, maintaining a busy schedule, and balancing the demands of daily life can take a toll. When these stressors rise to an unmanageable level, burnout can occur. Physicians may become unable to practice medicine because of the mental and cognitive effects of burnout. Losses in income and added financial stress adds to the vicious cycle and pressures brought on by physician burnout. Fortunately, disability insurance policies can provide some much-needed financial relief during this difficult time.  The approval of your claim for disability insurance benefits is essential when physician burnout […]

What is a Business Overhead Expense Policy (BOE)?

Oct 15, 2021 in Articles by

As a high-earning, skilled professional, you can take precautions against financial losses in the event of a disability that results in your inability to work. Individual disability and long-term disability insurance coverages provide personal financial security when you experience losses in income due to a disabling condition that keeps you from performing your job as you had before, but what happens to your practice and patients? There are additional expenses associated with running a business such as a medical or dental practice that your individual disability insurance policies will not cover.  You should not have to use your savings account […]

Disability Benefits for Doctors With Cancer

Oct 1, 2021 in Articles by

Cancer is a diagnosis that can startle anyone, even the most experienced doctors. Shock, denial, grief, and pain can overwhelm doctors suffering from this disease. A cancer diagnosis often comes with much uncertainty. Disability insurance benefits should be a source of stability and security for you so you can focus on beating the diagnosis. A Philadelphia disability insurance attorney can help you through the disability claims process. Seltzer & Associates represents medical professionals essential to caring for our communities. We apply our years of professional experience in handling disability insurance claims to achieve the best possible outcomes for our clients.  […]