Are you a medical professional that has been denied your Long Term Disability Claim by your insurance company?
Have you had to deal with any of the following?
Here at Bourhis Law, we focus on making sure that you get the money you deserve so that you can recover without the stress of finances.
If you have been denied long-term disability benefits, and feel the denial is unfair, contact us before responding to your insurer’s denial. Call us today or fill out the form at the bottom of the page to get your Free Case Review
Disabilities such as fibromyalgia, back, spine, neck and hand conditions, psychological impairments, sleep apnea, tachycardia and other heart conditions, substance abuse and arthritis have a very different effect on medical professionals than they would on other types of claimants. In representing medical professionals we are very aware of exactly what their specific duties are and of the details of how those duties must be performed. We are also aware of the serious consequences that can occur when a surgeon, for example, is pushed by a disability carrier to overextend him or herself with patients. This can occur due to the denial or underpayment of a valid claim or through protracted delay in processing it.
Bourhis Law Group, which has been profiled on Sixty Minutes, Dateline, the Wall Street Journal, Miami Herald, Los Angeles Times, San Francisco Chronicle, and dozens of other venues nationwide, is the leading long term disability (LTD) law firm in the Country. We are proud of the landmark rulings and record verdicts and settlements obtained on behalf of our clients.
Our client, a Gynecologic Oncologist, developed psoriatic arthritis in his hands and hips which resulted in pain, lack of strength/mobility, and stiffness. As the condition worsened it became difficult to continue performing surgeries. As a result, the claimant was forced to hire another surgeon and to assume a minor role as an assistant. The client worked as both a primary surgeon and an assistant while training his replacement.
The carrier argued that because the client was continuing to work, as both a primary surgeon and as a surgical assistant, he was only residually disabled. The carrier also maintained that although the claimant was assuming a diminished role he was still performing his regular occupation. We responded that the changing roles of the client, as well as the irreversible and progressive nature of his disabling condition clearly entitled the client to Total Disability benefits. Again, failure of the insurer to pay TD benefits would have triggered filing of an extra-contractual action with the attendant substantial increase in damages.
Settled for full TD benefits in excess of $21,000 per month. Company’s buyout offer rejected due to Company’s insistence on using an inflated discount rate and unrealistic mortality calculation in its PV assessment.
For more on these and other important issues affecting doctors with long term disabilities please refer to our FAQs and informative articles, or contact us to discuss your ltd insurance claim filing or claim denial concerns.