Disability Claim Tips With Ed Comitz, Esq.
Disability Claim Tips With Ed Comitz, Esq.
This guide is intended as a practical resource for dentists who think they might want to file a disability claim. Check in regularly for new claim tips.
Edward Comitz

Also see . Most policies do require provisions that require you to submit to in-person examinations. However, there is also typically a “reasonableness” requirement. An experienced disability attorney can evaluate your claim to determine whether an examination is appropriate under the circumstance...  Read More
Most policies contain provisions that require you to submit to medical examinations and allow the company to terminate benefits if you do not attend. Some policies only allow for a limited type of exams, while others contain provisions that go on for several paragraphs outlining the several types...  Read More
Some policies, particularly newer policies, contain “foreign residency” provisions that require you to be in the U.S. (or sometimes, the U.S., Canada or Mexico) in order to remain eligible to receive disability benefits. Oftentimes, the disability policy will allow for a certain period of time that...  Read More
See  Under certain circumstances it may be possible to request extensions and/or get the insurer to agree to accept proof of loss in other formats, such as medical records, test results, etc. However, it is important to be wary of the disability insurance company offering to do peer-to-peer calls...  Read More
Most disability insurance policies require you to produce proof of loss within a limited time frame and state that the company can limit or deny providing you with disability benefits if you do not provide the information within that time frame. However, there are legal rules that allow for delay...  Read More
If you try to find another non-clinical job, you risk modifying your occupation. See  While unemployment benefits vary from state to state, barring significant changes to the programs, it is unlikely that these sorts of benefits will allow dentists to meet their expenses if dentists are forced to...  Read More
Each disability insurance policy has a different formula for calculating prior income and loss of income. Some policies look to the year or 24 months immediately prior to date the disability claim was filed, other policies use averages over a several year period, and some policies give dentists the...  Read More
It could. While most policies sold to dentist are “own occupation” policies, the term “occupation” is a malleable term. Typically, “occupation” is defined as the “occupation or occupations” you were engaged in immediately prior to your date of disability.   As we’ve explained in our prior articles...  Read More
Yes, but your claim will likely receive heightened scrutiny—particularly if you worked normal hours seeing roughly the same number of dental patients up until your office was closed due to coronavirus. Many disability policies require you to prove that your disability (or loss of income resulting...  Read More
It depends. Some disability policies (most often employer policies or group/association policies) have a requirement that you must remain “actively at work” or working “full-time” in order to stay eligible for coverage. While sometimes “full-time” is defined, other policies, like the ADA/Great-West...  Read More
Now that the COVID-19/Coronavirus epidemic has reached the U.S. and spread throughout the country with no end in sight, dentists are being forced to face the reality that they may have to go without income for weeks, or maybe even months. Some states, like California and New York are ordering...  Read More
In this post, we’ll be taking a look at one of the common misconceptions dentists have about their disability policies. If you have applied for disability insurance yourself, you know that part of the underwriting process involves you disclosing your profession (i.e. dentistry), and you may also be...  Read More
In our last two posts, we discussed the importance of knowing when to file a disability insurance claim, and explained that certain actions dentists take before filing can make collecting benefits more difficult or even result in the denial of a claim. In this final post in this series, we will...  Read More
In our last post, we discussed the importance of knowing when to file a disability insurance claim, and explained that certain actions dentists take before filing can make collecting benefits more difficult or even result in the denial of a claim. In this post, we’re going to talk about a few more...  Read More
In our experience, many dentists we speak with put off filing a disability claim, even when they know in their heart that they’ve reached the point where they need to step away from practicing. Some dentists are reluctant to stop practicing because it has long been part of their identity, they...  Read More
In our last several posts we have discussed how anxiety among dentists is quite common and can reach a level that may require stepping away from dentistry and filing a claim. In this final post in this series, we will be examining some of the common challenges experienced by dentists who file...  Read More
By the time they finish dental school, most dentists are familiar with the concept of "burn out" and recognize that they have chosen a profession that can be particularly stressful at times. In fact, many of the dentists we consult with initially describe what they're experiencing as "burn out."...  Read More
This is another common question our office receives from dentists who suffer from anxiety and/or panic attacks and are thinking about filing a disability claim.  Generally speaking, in our experience, we find that insurance companies subject mental health claims to heightened scrutiny, and that...  Read More
Our office receives numerous calls from dentists experiencing anxiety and/or panic attacks wanting to know whether they can file a disability claim under their policies, and asking us to evaluate the likelihood of success if they do file. The short (but admittedly not that satisfying) answer is,...  Read More
Most dentists know that if they file a disability claim, there’s going to be an investigation. Many dentists have heard stories about surveillance, or biased medical examiners, but tell themselves, “that won’t happen to me, because I’m filing a legitimate claim.” ...  Read More
When you make the difficult decision to stop practicing and file a disability claim, the first step is to request the claim forms from your insurer. Each disability company has its own set of claim forms, and some companies have multiple sets of claim forms for specific types of policies (e.g....  Read More
In our last post, we noted that dentists are much more likely to become disabled than other professionals. At the same time, dentists’ claims are often targeted for denial because they (1) have high benefit amounts and (2) usually involve occupation-related slowly progressive musculoskeletal...  Read More
If you’re a practicing dentist, the answer is a resounding yes, as there’s a high likelihood that you’ll have to file a disability claim at some point in your career. Studies have shown that a majority of dental students experience chronic musculoskeletal pain by their third year...  Read More

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