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Author: Seltzer & Associates

Handling Repeat Long-Term Disability Insurance Claims for Physicians

Long-term disability insurance benefits provide peace of mind by preparing for the event you are unable to keep working due to a disabling condition. Long-term disability insurance policies typically cover a period of time that extends from several months to years as long as the disabling condition exists and the qualifying policy definitions are met by the disabled insured.  Some disabled physicians are able to return to some form of medical practice after receiving extensive medical treatment for their disabling condition. However, recovery from a disabling condition does not protect you from never experiencing a setback or becoming disabled in […]

Medical Complications Affect Long-Term Disability Claims

Disabling conditions present complexities to anyone suffering from a disabling illness or injury. From medical treatment and diagnosis to managing daily activities of living, disabling conditions bring many challenges. Add on to those challenges that disabling conditions often prevent working and earning income, those suffering from a disabling condition have a lot to overcome. Fortunately, disability insurance benefits can provide financial security to insureds who are unable to work due to disability. Doctors and other high-earning medical professionals need to protect their future by contracting for these benefits in advance and pursuing disability insurance benefits when illness or injury prevents […]

Long Term Disability: Future Increase Options for Doctors

Long-term disability insurance is a financial protection against income loss if you become disabled and are unable to work. This investment in your future can provide peace of mind by providing replacement income when a disability prevents professionals from maintaining their careers and livelihood. In professional careers, such as doctors, the disability insurance coverage contracted for at the beginning of a medical career may no longer be adequate as a doctor’s career grows and develops. Fortunately, disability insurance companies offer a variety of policies and riders that can augment coverage to adjust to a doctor’s changing needs over a career. […]

Challenges to Diagnosing Long Covid Impact Doctor’s Claims For Disability Insurance Benefits

Feb 28, 2023 in COVID-19 by

Medical professionals can agree that long Covid is serious and results in a wide range of debilitating conditions. Someone who was otherwise healthy can be brought down by this virus quickly or slowly, with lingering effects that may not even be recognized as a symptom for a significant period of time. However, diagnosing long Covid can be challenging which in turn can complicate everything from receiving medical treatment to adjusting to new limitations as they are lined to Covid or not, and even obtaining disability insurance benefits.  Over the last few years, research has been dedicated to learning more about […]

Medical Professionals: Your Occupational Lack of Sleep Increases the Risk of Disability

The medical profession is known for being a demanding occupation. Long hours exhaust medical professionals physically, mentally, and emotionally. Historically, long hours while training and beginning a career in medicine were discussed as if longer hours and more strenuous training were something to aspire to in order to demonstrate dedication to the profession, even to the point of unsafe fatigue. Now we better know the consequences of working grueling hours and how sleep deprivation and fatigue can affect the health of doctors as well as the quality of care patients receive. Each sector of the medical profession comes with its […]

Building Your Claim for Disability – Do Not Ignore the Little Things

Disability insurance companies are always receiving claims for disability insurance benefits. The analysts and claims adjusters are tasked with the difficult job of evaluating thousands of claims each year and determining which claims are legitimate and should be paid to the claimant. Details are important to these claim evaluations and can make a difference in your pursuit or disability insurance benefits. There are many potential challenges in building a claim for disability insurance benefits. These include identifying your disabling conditions, explaining how these conditions prevent you from maintaining your medical career as it fits the requirements of your disability insurance […]

Disability Insurance Benefits and the Family Medical Leave Act

Physicians are accustomed to treating patients for health concerns, not worrying about their own health and ability to work. However, doctors are not immune from illnesses or injuries that can result in severe disabling conditions which may even prevent them from working and practicing medicine. When a doctor faces this hardship, it is important to draw on all available resources to help with medical treatment and rehabilitation.  In addition to your own medical care and legal teams, your disability insurance provider and the Family Medical Leave Act, or FMLA, can play a significant role in providing disabled healthcare professionals the […]

Will New Treatments and Trials for Long Covid Impact Covid Disability Claims?

Dec 30, 2022 in COVID-19 by

Long Covid continues to plague our country, with little known on how to address treatment, especially for the lingering symptoms of long Covid. It has only been recently that long Covid has been recognized as an ongoing problem, as long haulers have been experiencing severe and debilitating side effects of their initial Covid infection for over a year. Despite studies on the progression of long Covid revealing more of the complexities of this disease and how people are responding to treatments, Covid long haulers are being kept out of the workplace by their mounting Covid ailments. With the availability of […]

Medical Residents Need Disability Insurance Benefits

Medical residents are a critical part of the medical industry. These doctors are integral to the future of medicine, participating in medical research and development and providing patient care. Since medical residents are in the early stages of their medical careers, they are still learning about all the components needed to make their careers successful. This includes mitigating lost income if they become disabled and are unable to continue working. Disability insurance benefits are an important resource for any medical professional, but residents should especially take note as well. Medical residents are juggling enough with work and other training responsibilities […]

Selecting Your Disability Insurance Policies – Reviewing Your Disability Insurance Needs

Physicians and other medical professionals have a lot to consider when selecting a disability insurance policy. As your career and medical practice develop, it is a good idea to periodically take stock of your needs in disability insurance policies to make sure you have appropriate coverage. Disability insurance benefits provide financial security when doctors are unable to work, including replacement income streams or protection to a physician’s practice in the form of business overhead expense insurance. Your disability insurance benefits can include a variety of provisions that are beneficial to doctors and other healthcare providers in particular. For example, the […]