At Seltzer & Associates, we limit our practice exclusively to disability insurance claims and cases. The majority of claims we handle involve healthcare providers and other professionals who suffer from psychiatric illnesses along with other co-occurring disorders, such as depression, schizophrenia, bipolar disorder, anxiety, and obsessive-compulsive disorder. Our staff has dedicated themselves to studying and understanding psychiatric and psychological illnesses, and has the utmost respect for those individuals struggling with these issues. We frequently attend and present at numerous medical conferences such as those sponsored by the American Psychiatric Association, American Psychological Association, American Medical Association, and the Canadian Medical Association. This specialized knowledge and expertise enables us to prosecute our clients’ claims and cases with maximum effectiveness.
As claims for disability insurance benefits, including “mental nervous” claims, have become more common and frequent, the disability insurance companies have reacted strongly to claims which rely on psychiatric or psychological conditions. Increasing financial pressures have forced the companies to take a “hardline” posture in their claims handling practices. Unfortunately, “mental nervous” and addiction claims are considered prime targets by the companies because psychiatric symptoms are often difficult to detect and authoritatively document. This subjectivity makes psychiatric and addiction claims a common target for aggressive claims practices. This industry has never appreciated parity between mental and physical illnesses.
Many of the common conditions that cause disability include:
We understand, and are sensitive to, how debilitating psychiatric and psychological illnesses can be. We also understand how vulnerable our clients are, and how their disability insurance benefits are often their financial lifeline. From early on in the process, we are vigilant to the fact that their disability insurance companies can all too easily exploit our clients’ vulnerability. We develop the foundations for our clients’ claims and the strategies for handling those claims in view of those vulnerabilities. We vigorously pursue our representation of our clients, and protect their benefits and entitlements with the utmost vigilance, sensitivity, confidentiality, and professionalism.
Our goal, as a firm, is to empower our clients to move forward with their lives. We accomplish this by guiding our clients through the claims or litigation process, protecting them from exploitation, and help move their focus towards what is most important: reclaiming their health, their families, and their lives.