Doctors and medical personnel have high-stress jobs that can trigger emotional and physical conditions like addiction, depression, anxiety and PTSD. Dealing with the loss of life and patients and their families during the worst moments of their life can cause a person distress more so than less demanding jobs.  Addiction in doctors is a coping mechanism, and one that requires attention to overcome. For many, addiction to drugs or alcohol means they are unable to see patients or perform surgeries. If this is the case, you may qualify for benefits under your disability insurance policy.   About Addiction in Doctors Physicians […]

Short-term disability insurance plans provide benefits if you’re unable to work due to an injury or illness. It’s different from workers’ compensation insurance that only provides coverage if you’re injured on the job. Disability insurance covers you when you get injured or become ill and can no longer perform the duties basic of your job. Seltzer & Associates is representing essential frontline workers, like healthcare professionals, claim and receive disability insurance benefits. If you’ve developed a disorder, like anxiety, depression, PTSD, or addiction, as a result of your COVID-19-related work, you may qualify for disability insurance benefits. Speak with a […]

To our COVID-19 frontline workers in Philadelphia and across the country, we see you and value the work you’re doing for our communities. Our country has never seen a medical crisis of this magnitude, and we are learning together that the services of our frontline workers are more critical than we previously acknowledged.   For the doctors and nurses, police officers and health department officials, for the paramedics social workers, journalists and delivery men and women – we salute you and your essential efforts to combat the coronavirus and keep America up and running.  Disability Insurance Benefits for Healthcare Workers Each […]

A sudden condition or medical issue can devastate an employee’s career and cause financial problems. For example, a physician who has a debilitating heart attack and suffers a reduction of heart function that prevents her from being able to work will experience lost income and unplanned medical expenses for hospitalization, outpatient treatment, rehabilitation, prescriptions, etc. Long term disability insurance exists for scenarios like this one, where an employee is no longer able to complete their essential job duties due to a medical issue, psychiatric impairment, addiction or other disabling condition. Disability Insurance is Not the Same as Workers’ Compensation Long term […]

Seltzer & Associates is accepting coronavirus-related disability claims from healthcare workers and medical professionals dealing with COVID-19 patients.

In addition to the additional burden of worrying about prolonged exposure to the virus and what that means for them and their families, many medical professionals are facing COVID-19 disability claim denials.

Disability Insurance Claims Being Rejected for COVID-19 Medical Professionals If you are a doctor or other medical professional with a health-compromising condition that could result in long-term disability or death if you are exposed to patients with COVID-19, be forewarned: insurance companies are beginning to challenge claims filed by medical professionals seeking disability benefits as a result of the coronavirus pandemic.  Physician Disability and COVID-19 Many physicians who have underlying physical and mental health conditions cannot safely work in an environment where close contact with patients puts them at risk for developing complications from the Coronavirus. Insurance companies are closely […]

As an attorney, dedicated to representing disabled professionals with individual disability insurance (IDI) and long-term disability (LTD) insurance matters, I am often in the unenviable position of informing clients of the deficiencies in their coverage. As an attorney, dedicated to representing disabled professionals with individual disability insurance (IDI) and long-term disability (LTD) insurance matters, I am often in the unenviable position of informing clients of the deficiencies in their coverage. Such was the case during a recent consultation with a civil litigation attorney who was forced to cease practicing due to a neurological disorder affecting his executive and cognitive function. […]

Unum, one of the largest disability insurance companies in the United States, recently released their list of the top causes of disability in 2017 for claims filed with its company. According to Unum, the leading causes of long-term disability claims in 2017 were cancer, back disorders, injury, cardiovascular, and joint disorders. Injury, joint disorders, and cancer, along with pregnancy and digestive system, were also the leading causes of short-term disability claims in 2017. Cancer One in two men and one in three women in the United States are at risk of developing cancer in their lifetime. The most common types […]