When Should a Physician Hire a Disability Insurance Lawyer?

Jul 29, 2020 - Articles by

Deciding to hire a professional is a big decision, but as a physician, you understand the importance of hiring a professional to address specific needs. Your disability insurance benefits are there to provide you financial peace of mind when you are unable to work due to your disabling medical condition, but the disability insurance companies do not make the process easy on anyone. Relying on a Philadelphia Disability Insurance Lawyer to handle your claim for disability insurance benefits is the right choice. With nationwide experience dealing with all major disability insurance carriers, Seltzer & Associates is prepared to fight for your disability insurance benefits. 

Facing the restrictions and limitations you are experiencing, as a result of your disabling medical condition, can be extremely challenging. Simultaneously, as a result of your physical and mental restrictions and limitations as you go about your daily activities, you need to adhere to your medical treatment regimens, adjust to your inability to perform the material duties of your specialty due to your medical condition, and navigate the disability insurance process including denials and appeals.  With all of this on your plate, hiring a disability insurance lawyer to handle your disability insurance benefits will alleviate some of the stress you most probably will experience.

When Physicians Cannot Work Due to Disability

There are many common medical conditions that disable physicians and prevent doctors from performing their professional duties. When your disabling medical condition prevents you from performing the essential functions of your specialized area of practice, it is time to hire a disability insurance lawyer to ensure you get the disability insurance benefits you are entitled to. 

Common disabling medical conditions preventing healthcare workers from performing the essential duties of their work include:

  • Cancer – those suffering from cancer have compromised immune systems from treatment, weakness, lack of focus, cognitive impairment, fatigue and diminished stamina that prevent medical professionals from carrying out their duties. They cannot be exposed to the healthcare environment due to health risks, or cannot professionally function effectively and must be out of work.
  • Addiction – Addiction is a complex disease that may prevent one from carrying out the essential duties of their job. Inpatient or intensive outpatient treatment often necessitates that medical professionals cannot work while they focus on their treatment and recovery, as well as the cognitive and psychiatric conditions someone suffering from addiction commonly faces.  Many times, even after recovery has been achieved, the severity of the disease, along with the restrictions and limitations that result, mandates that occupational changes be implemented.
  • Mental illness and disease, including anxiety and depression – Mental illness and disease can impair mental and cognitive function, as well as manifest in physical ways, that prevent doctors from performing all of their duties in the medical field.
  • Back pain and injury – Orthopedic-related medical conditions may prevent a doctors’ ability to perform the substantial functions of their job. Recovery time from surgery and physical therapy also prevent physicians from being able to work.

These medical conditions and others not only prevent physicians from performing their own work, but prevent medical professionals from engaging in any work at all due to the severe restrictions and limitations of the medical condition. When your disabling medical condition prevents you from carrying out the essential functions of your career, it is time to hire a Philadelphia Disability Insurance lawyer.

Supporting Your Case

While physicians may be accustomed to completing forms and detailing their patients’ physical medical conditions, recognizing and communicating your own physical and mental restrictions and limitations is often a challenge. Even with your treating physician’s reports supporting your claim,  your disability insurance company may still deny your disability insurance benefits. It is too important to risk not having a disability insurance lawyer fight for you.  

Since there are timing requirements on disability insurance claims, denials, and appeals, hiring a disability insurance lawyer promptly is important in obtaining your disability insurance benefits. A Philadelphia Disability Insurance lawyer knows how to overcome the denial of your disability insurance benefits. Contact an attorney at Seltzer & Associates to discuss your case and fight for your disability insurance benefits. 

Contact a Philadelphia Disability Insurance Lawyer

You do not have to fight for your disability insurance benefits alone. We invite you to work with a Philadelphia Disability Insurance lawyer with nationwide experience to help you receive the disability insurance benefits you need and deserve. Contact Seltzer & Associates today.