Physicians

Philadelphia Insurance Disability Lawyers Pursuing Disability Benefits for Physicians 

Doctors, who deal with health insurance issues every day, understand the importance of having adequate disability insurance coverage. Doctors also understand one other important point: certain policies, even those that provide solid coverage, may still be insufficient to meet every need associated with an injury or illness.

If you are a physician in the Philadelphia area or elsewhere in Pennsylvania and you need help dealing with your own disability insurance policy, reach out to Philadelphia ERISA claim lawyers of Edelstein Martin & Nelson, LLP for help. You have devoted your career to the health of others, and now that your own health is in question, you deserve to receive the maximum amount of compensation available under your policy, whether you have:

• Long-term disability coverage
• An individual disability policy
• A group disability policy
• A complex combination of coverage’s that may apply to your situation

Do You Have an “Own Occupation” Policy?

One of the primary reasons to consult with our Philadelphia law firm when dealing with your disability coverage is that you may have what is called an “own occupation” policy and not even be aware of it. These policies are common among physicians and other medical professionals.

Essentially, these policies are designed to pay benefits to policyholders who can no longer perform their own occupation, rather than any occupation. This is a positive thing for you, the insured. For example, if you are a heart surgeon who can no longer perform operations because of your disability, but you are earning income doing a different type of work, you would still be paid at the full benefit level.

Many doctors are simply unfamiliar with these “own occupation” insurance policies. When they start a different occupation and the insurance company decreases their payments, they have no idea it could be in bad faith. Our disability insurance lawyers in Philadelphia will analyze your coverage and take steps to ensure that you receive the full amount of benefits to which you are entitled.