Also see My Insurer Says I Have to Undergo an IME But I Don’t Want to Get Coronavirus.
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 and/or
whether there are alternative methods of obtaining the relevant
information that do not place your health at risk.
Action Step: If you are concerned
about your insurer requiring and in-person field interview, speak with a
disability lawyer and have him or her evaluate whether the field exam
is required under your policy and whether there are other means to
provide the requested information.
Each dentist’s claim for disability benefits involves different
facts, disabling conditions, policy requirements, insurance companies,
etc. While our attorneys are making an effort to share general knowledge
with the dental community and answer dentists’ questions about the
impact of the coronavirus, this not a substitute for individualized
advice from an experienced disability insurance lawyer. If you would
like to speak with our attorneys and have them take an in-depth look at
your particular situation, please feel free to contact us directly.