Disability Insurance Blog

When Healers Become Disabled: Chiropractors and Disability Claims


Tuesday, December 1st, 2015

Long term disability insurance lawyers Justin Frankel and Jason Newfield have represented large numbers of chiropractors fighting for their disability claims. As a group of high income professionals, chiropractors are targeted by insurance sales agents for long term disability insurance policies. As every chiropractor knows, their occupation is a physically demanding practice and it is not unusual for the chiropractor to suffer injuries to their back, shoulders and hands, potentially impacting their ability to work.

The irony is not lost on the chiropractor who helps their patients when they must similarly fight with the disability insurance company for their own benefits. Knowing what information must be contained in a medical record, for instance, or what radiological reports the insurance companies seek when determining if a claimant qualifies for long term benefits, would seem to work in the chiropractor’s favor when it comes to their own claims.

Unfortunately, a little knowledge about disability claims and the claims process can be a very dangerous thing when it comes to the chiropractor’s own disability claim. While many of our chiropractor clients begin working with our firm before they file a claim, many contact us only after their disability claims have been denied. It is not uncommon for them to tell us that after working with their own patients whose claims had been denied because of poorly prepared medical records, they thought they would be easily able to navigate the claims process.

It just doesn’t work that way.

Many of the patients seen by a chiropractor are likely fighting for benefits from Workman’s Compensation or a disability policy that the patient owns through their employer. While some chiropractors do purchase what is referred to as “association” disability policies – disability policies purchased through a chiropractic organization – the chiropractor more than likely purchased and owns their policies privately. These are the most valuable policies and defending them requires far more experience and knowledge. Getting us involved early in the process may be the difference between a paid claim and a denied claim.

If your claim has been denied, or if you are considering filing a claim, call our office at 877-LTD-CLAIM (877-583-2524). This is one battle you don’t want to take on alone.