Dentists are in a unique position when it comes to disability insurance. They are highly-trained professionals who often have a long career span, making them attractive targets for disability insurance companies. However, when it comes to filing a disability insurance claim, dentists may find themselves struggling to make ends meet. This article will explore the various aspects of dentist disability insurance, including how to find the best policy in 2023, the different types of insurance available, and what to do in the event of a disability insurance claim. Lets begin the writing with table of contents:
Table of Contents
Dentists Long Term Disability Insurance Claims
Dentists Long Term Disability Insurance Claims Long-term disability claims for dentists can be challenging to obtain due to the substantial cost to the insurance company. The insurance company will typically require proof of disability and medical records to establish the disability and its duration. In addition, disability insurance will begin paying benefits after a waiting period, which is generally 30, 60 or 90 days from the date of accident or diagnosis.
Dentists often purchase long-term disability (LTD) insurance as a safety net and many times, a dental professional will come to their insurance broker with a claim. The insurance company will review the claim, and if approved, the dentist will begin to receive benefit payments. The amount of the payments will depend on the policy the dentist holds and the amount of the benefit. It is important for the dentist to understand the details of their policy in order to maximize their benefits.
Own Occupation versus Dual Occupation
When it comes to disability insurance, there are two main types of policies available to dentists: own occupation policies and any occupation policies. Own occupation policies are designed to provide benefits when the dentist is unable to perform the duties of their own occupation due to injury or illness, regardless of whether or not they are able to work in another occupation. Any occupation policies are typically less expensive, but provide benefits only if the dentist is unable to work in any occupation, not just their own.
Own occupation policies are generally more expensive than any occupation policies, but they provide more comprehensive coverage. It is important to understand the differences between the two types of policies and to make sure that the policy purchased is the best fit for the dentist’s needs. If a dentist has a pre-existing condition or is at an increased risk of disability, an own occupation policy may be the best option.
Individual and group long-term disability insurance is one item that prudent dentists should consider. Often, the disability claim filing will include specific deadlines and requirements that must be met in order to obtain benefits. In addition, a denial of a claim can be appealed. Mr. Dell and his disability legal team have helped hundreds of dentists nationwide to obtain disability insurance benefits.
Shapiro v. Berkshire Life Insurance
Shapiro v. Berkshire Life Insurance is a U.S. Court of Appeals, 2nd Circuit case from 1999. The case centered on a $4 million life insurance policy that Paul Shapiro obtained from Berkshire Life Insurance Company. Shapiro brought suit against Berkshire for breach of contract and deceptive business conduct in violation of § 349 of the New York General Business Law. The court granted summary judgment in favor of Shapiro on the breach of contract claim, and in favor of Berkshire on the § 349 claim.
The case involved a dispute over the definition of total disability as defined in the insurance contracts. The court applied a fact-oriented, functional approach to determine whether or not Shapiro was able to perform the material and substantial duties of his occupation. The court concluded that due to his progressive skeletal illnesses, Shapiro was unable to perform chair dentistry and therefore met the definition of total disability as defined in the insurance contracts.
The Ergonomics of Dentistry
Ergonomics in dentistry is the practice of ensuring dentists, hygienists, and other dental professionals have the best conditions for their work. The goal is to reduce the risk of musculoskeletal injury and help promote a long and healthy career for dental professionals. The ergonomics of dentistry are key to a successful practice and the health of the dental professionals.
In the dental office, ergonomic considerations include the design and layout of the office, the furniture, the dental tools and equipment, as well as the postures and movements of the dental professional. Proper ergonomic practices help reduce strain on the body and provide a comfortable work environment. It also helps to reduce the risk of injury and fatigue, which are common among dental professionals.
Ergonomic furniture and tools should be adjustable and the dental professional should be aware of the importance of proper posture and taking regular breaks. The American Dental Association has published guidelines to help promote proper ergonomics in dentistry. Additionally, continuing education courses are available to help dental professionals understand and implement ergonomic guidelines. Ergonomics in dentistry can reduce the risk of injury and help ensure a healthy and long-lasting career for dental professionals.
Successful Disability Insurance Claim Representation by Frankel & Newfield
At Frankel & Newfield, our disability insurance lawyers have a long history of successfully representing disability insurance policyholders. Our team understands the challenges faced by disability insurance claimants and are committed to helping our clients obtain the benefits.
Our attorneys have years of experience representing disability insurance claimants in their claims for short and long-term disability benefits. Lawyers are well-versed in the tactics used by the insurance companies and are not intimidated by their tactics. We are aggressive in our approach and know what it takes to get the best results for our clients.
Our team understand how important it is to have a successful disability insurance claim and we are committed to helping clients. Our attorneys are highly rated and have received the Super Lawyers designation each year. We make sure that our clients are informed and kept up-to-date on the progress of their case. We take our representation of our clients very seriously and are proud to help them through this difficult process.
At Frankel & Newfield, our lawyers have a history of successful disability insurance policyholders in their claims of disability benefits. Our attorneys have represented a wide variety of clients, from dentists and physicians to teachers and other professionals. We have successfully recovered millions of dollars for our clients in a variety of cases, including:
• Standard Insurance Company v. Karen J. – Our client, a dentist, was denied long-term disability benefits by Standard Insurance Company. After being denied benefits, our attorneys successfully appealed the decision and secured long-term disability benefits for our client.
• Unum v. R.W. – Our client was denied long-term disability benefits by Unum. We successfully appealed the decision and successfully secured long-term disability benefits for our client.
• MetLife v. M.S. – Our client was denied short-term disability benefits by MetLife after being diagnosed with multiple sclerosis. After being denied benefits, our attorneys successfully appealed the decision and secured short-term disability benefits for our client.
• Hartford v. L.C. – Our client was denied long-term disability benefits by Hartford after being diagnosed with chronic fatigue syndrome. We successfully appealed the decision and successfully secured long-term disability benefits for our client.
At Frankel & Newfield, we are committed to helping our clients obtain the disability insurance benefits they deserve. Our attorneys have a successful track record of representing disability insurance policyholders and are committed to helping our clients.
In conclusion, importantly the Frankel & Newfield’s disability insurance lawyers have a long history of successful disability insurance. Our attorneys of our company are well-versed in the tactics than other insurance companies, we strive to get the best results. Also, we understand the importance of successful disability insurance claim representation and are committed to help our clients.
Meet Faizan Qadeer, a finance enthusiast and seasoned investor with a passion for sharing his knowledge with others. Faizan has been blogging about personal finance, investments, and cryptocurrencies for over five years.