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Author: Seltzer & Associates

Doctors Applying for Disability Insurance Benefits with Multiple Disabling Diagnoses

Many challenges face doctors applying for disability insurance benefits due to disabling conditions preventing them from working. From acknowledging the severity of their disabling conditions to staying on top of disability insurance claim paperwork, the application process can quickly become overwhelming. Add on managing medical treatment, adjusting to new limitations of their disabling condition, and coping with being unable to work, doctors facing disability have a lot to deal with, especially if they are facing multiple disabling diagnoses. Fortunately, disability insurance benefits can help alleviate the financial burden of disabled doctors being out of work. Your disability insurance benefits are […]

Dealing with the Holidays and Your Disability Insurance Claim

Accidents, illnesses, and disabilities can occur at any time of the year. While there is no good time to experience any of these setbacks, the holidays may present a particular set of challenges while dealing with your disability insurance claim, especially if it is new to you. Regardless of the time of year, Seltzer & Associates is available to handle your claim for disability insurance benefits and guide you through this time of uncertainty.  Leaving Your Medical Practice Behind at the Holidays As a physician, you may be concerned about how your absence from your practice will affect your colleagues, […]

Exercise and Maintaining Your Disability Insurance Benefits

Every disability is unique to the individual patient, despite common diagnoses. While commonalities help treating physicians create their treatment plans with a certain level of confidence, your own responses and progress during treatment will guide your physician in your long-term care plan.  Your treatment for your disabling condition may include a variety of therapies, medications, and other protocols. While experienced doctors and healthcare professionals may expect a certain level of exercise and physical therapy to be part of a treatment protocol, early success in exercise or physical therapy regimes may lead to a termination of disability insurance benefits. The insurance […]

Understanding Covid Brain Fog’s Impact on the Medical Community

Oct 17, 2022 in COVID-19 by

Covid brain fog is a misunderstood but significant lingering symptom of Covid. It is more than fatigue or exhaustion that long-haulers suffer from. Not much research was initially given to the disabling impairment of Covid brain fog, but as we learn more about long-hauler suffering and the lasting impact of this unprecedented disease, the severity of Covid brain fog becomes apparent.  Since Covid brain fog may be mistaken for other impairments or wrapped up with other long-term symptoms, obtaining disability insurance benefits for Covid brain fog can be challenging. Seltzer & Associates has been on the front lines of the […]

Long Covid Causes Ongoing Disability for Medical Professionals

Sep 30, 2022 in COVID-19 by

The effects of long Covid continue to be explored as more people experience lingering symptoms even after recovery from Covid. While many people are considered recovered from an initial Covid diagnosis and expect to resume their regular activities, long Covid has been found to frustrate these expectations and contribute to an overall decline in health. Suffering from long Covid may result in the inability to maintain a career, especially for those in the medical profession. In fact, it is estimated that 4 million members of the working population in the United States are out of the workforce due to long […]

Dealing with Disability: Transitions in Your Medical Career

Suffering from a disabling condition brings many challenges. Most people experience a noticeable change in physical and/or cognitive ability when suffering from a disabling condition. Mental health and emotional well-being often decline with the daily struggle of coping with a disabling medical condition. The inability to perform certain tasks, participate in regular activities, and maintain a medical career with a disabling condition can become frustrating. While you may have little or no control over the recovery process, having disability insurance benefits can provide replacement income while you are unable to work as you had pre-disability. Your disability insurance benefits can […]

Back Injuries Hurt Physicians and Their Patients

Back injuries are a common health problem. Our spines are responsible for so much of our mobility and activities of daily life. When someone experiences a back injury, it may be immediately disabling or become disabling over time. When back injuries are compounded, pain and limited mobility can quickly become a completely disabling condition.  People have different tolerances and experiences when it comes to pain and limited physical capacity.  It may be difficult to identify precisely when a condition reaches the point of becoming disabling.  Thus, it is critical that injured doctors seek medical advice and appropriate care for these […]

Repeat Heart Attacks Continue to Debilitate Doctors

Heart attacks can easily take a doctor out of practice. Unfortunately, after an initial heart attack, the heart is weakened and the risk of another heart attack increases. Just as an initial heart attack can prevent doctors from working, a repeat heart attack can further damage the heart muscle making a full recovery impossible. Suffering additional setbacks while already in recovery from a disabling medical condition can be frustrating and disheartening. Seltzer & Associates has years of experience representing clients who work in high-stress medical careers. Recognizing Your Risk for Repeat Heart Attacks  Common risks for a repeat heart attack […]

Cancer Challenges with Disability Insurance

Cancer affects millions of Americans annually. Due to the prevalence of cancer and the risk of recurrence, many insurance companies will limit or deny coverage for those who have previously had cancer or who have higher risk factors for cancer. This limitation puts medical professionals in a precarious state as they already are highlighted for denial and terminations by insurance companies due to potentially high payouts for claims. If you find yourself in a situation where your claim for disability insurance benefits is denied based on a cancer diagnosis, your disability attorney will review your policy and advise you accordingly. […]

How Long-Term Disability Offsets Affect Your Insurance Claim for Benefits

When you find yourself disabled and unable to work, providing for your financial needs can become a major concern. Fortunately, there are several resources that can help you through this difficult time, and a Philadelphia disability insurance attorney is yet another resource that can help you overcome the challenges you face. As you pursue your long-term disability insurance benefits to replace your lost income due to a disabling condition, you need to carefully review your policy and understand the requirements, limitations, and definitions that will be used by your insurance company to determine your claim and the financial benefit you […]