When Your Career Path Ends
Attorney Will Driscoll Represents Physicians Denied Disability in Kentucky
Your career has involved helping others, sometimes at your own expense. Back-injuring careers can disable nurses, doctors, surgeons, chiropractors, respiratory therapists and physical therapists.
When you found you couldn't work anymore, you applied for long-term disability benefits. Then you got the denial letter in the mail. Why? How is this fair?
Let's Start at the Beginning
The best idea is to have your lawyer involved in the initial filing of your professional disability claim. If you've filed a claim and been denied, it is crucial to have your lawyer involved in the internal appeals process.
If your appeal is denied and a suit is filed, you must prove that you were denied benefits on an "arbitrary and capricious" basis, which carries with it the highest burden of proof in a civil case, second only to "beyond a reasonable doubt" in a criminal case. Trying to do the internal appeals process yourself could be a big mistake. A good attorney will know what the insurance company is looking for, and how to maximize your chances of winning you appeal or disability lawsuit.
With an office in Louisville, Driscoll & Associates handles physician/professional disability claims throughout Kentucky. Call 888-558-5910 or contact us online.
Falling Into the Gap
Your company doctor says you are disabled and cannot work. HR tells you to apply for long-term disability benefits. Then the insurance company says you are not disabled. This can drag for months or years. In the meantime, you are not getting a paycheck, or a disability check. Get help for your disability claim from Driscoll & Associates. We push our cases aggressively, so you can start getting a paycheck again. In Kentucky call 888-558-5910 or contact us online.
Waiver of Premium
This is an insurance benefit that your life insurance policy may offer. It is an option that allows you, the policyholder, to not pay your life insurance premiums when you become disabled. But what they don't tell you is that if your LTD insurance company denies your claim, your life insurance company will follow their lead.
It seems insurance companies are looking for any reason to deny your claim. If you are pursuing a claim for Long-Term Disability benefits, continue your health insurance through COBRA, if possible, to avoid a lapse of coverage (and resulting pre-existing exclusion later), and put a lawyer with experience on your side.
With an office in Louisville, Will Driscoll handles disability insurance claims, appeals and lawsuits. To make an appointment, call 888-558-5910 or contact us online.
