Free Consultation 877.583.2524
We do not handle social security disability claims
logo celebrating

Nationwide Leaders in Disability Insurance Law

shook hands

The Importance Of Disability Insurance For Physicians

Tuesday, March 13th, 2018

Here at Frankel & Newfield, PC, we represent doctors across the country when their disability insurers deny their claims or prematurely terminate their disability payments. The practice of medicine is both physically and mentally demanding, with long hours, stressful situations, life-and-death decision making and potential exposure to radiation and chemicals. For these reasons, unexpected disability and an interruption of salary is not unexpected. 

Doctors can be financially vulnerable

While doctors make good money, they also have significant personal and family responsibilities. They may have many thousands of dollars in student debt early in their careers, an expensive private practice to maintain and a family to support. A sudden interruption in salary because of a disabling injury or illness can be professionally and personally catastrophic, which is why physicians should secure adequate disability insurance either through their employers or individual disability insurance contracts.

Own occupation or any occupation

Disability insurance will replace part of their salary should injury or sickness prevent work. It may be a smart decision to purchase disability insurance that pays benefits if the doctor cannot perform his or her exact “own occupation,” rather than not being able to work in “any occupation.” For example, Parkinson’s disease may prevent an eye surgeon from performing a delicate operation, but not “any occupation.”

Legal representation

Disability insurers are financially motivated to deny or terminate the disability claims of physicians because the monthly payout is a portion of a relatively high salary. For this reason, it is a good idea to involve an experienced attorney even at the initial claim stage to assist with the application and its processing. Certainly if benefits are denied or terminated, legal counsel should be involved to negotiate with the insurer for fair, proper benefits according to the contract and the law.

In serious cases, the lawyer will assist with internal insurance company appeals and when appropriate, a lawsuit to protect the doctor’s interests under the disability policy.

Jason A. Newfield

Written By:

Jason A. Newfield - Disability Insurance Attorney

Jason Newfield is a founding partner of the disability insurance law firm Frankel & Newfield. He has spent the majority of his legal career advocating for the rights of disabled workers. He has lectured other professionals, worked on a Federal Advisory committee, and published many articles in the field of disability insurance claims and litigation.

Learn more about Jason | See Jason’s Publications



Ready To Talk?

Fill out the form to request a FREE legal consultation

Sorry, we do not handle SSDI/Social Security claims.

Frankel & Newfield does not currently handle any Social Security Disability Insurance claims.


*Required fields are marked

I have read the disclaimer.

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.


This is about a Social Security Disability claim.

Ipad image

Download Our Free eBook


Secrets the Disability Insurance Companies Don't Want You to know!

Sign Up for our mailing list to receive disability insurance law updates

Your information is 100% secure and will never be shared with anyone


No matter where you are nationwide, we are here to help.

We have the resources and support to take on the largest insurance companies.

Contact us today for our nationwide service.

Contact Us
Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri
Nebraska Nevada New Hampshire New Jersey New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina
South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming