The October issue of the Suffolk Dental Bulletin features an article by Justin Frankel and Jason Newfield on the special challenges facing dental professionals concerning Long Term Disability Insurance policies. No matter how up to date and ergonomically correct dental equipment may be, dentists tend to have back, shoulder, arm, wrist, hand, head and neck problems as a result of years of repetitive movements and maintaining an awkward position while caring for patients.
Disability insurance companies in the past considered dentists one of their prime markets for personal disability policies. Dentists could afford the high premiums of private policies, and the statistics indicated lower claim rates than other professionals. But when it comes time to file a claim, dentists are subject to the same treatment as other policy holders – delays and denials.
Frankel & Newfield has a tremendous amount of experience working with dentists who are surprised when their LTD insurance company balks at paying a claim. If you are about to file a claim, or if you are having a problem with your disability policy, call our office at 977-LTD-CLAIM ( 877-583-2524). We can help.
