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Professionals often need so many different types of insurance that it can be challenging to understand just what types of coverage you have and where you may be vulnerable to gaps in coverage. Disability insurance is one of those areas. The Social Security Administration provides disability insurance to individuals who pay tax under the Federal Insurance Contributions Act (FICA), but professionals often elect to purchase private individual disability insurance policies or take advantage of group disability insurance offered through an employer. It is important to understand the differences between private disability insurance coverage and SSA disability programs to determine your […]

Whether you are shopping for a private disability insurance policy or need to file a claim, it is important to understand how long the disability insurance benefits can be expected to last. The answer depends on a variety of factors. Often, the fine print in your disability insurance policy will provide the information you need to assess the duration of benefits, but sometimes the factors that affect the duration of benefits are not well-defined within the policy itself. If you believe an insurance company has wrongfully discontinued benefits, an attorney who focuses on private disability insurance can help you recover […]

Although many professionals purchase disability insurance with the idea that they may need protection in case of a sudden disaster, such as being injured in a car accident, the fact is that many, if not most, disability claims stem from conditions that develop over time. When the onset of a disability is not sudden and obvious, the claims process can be very different and often more challenging. Understanding the difference between disability insurance claims involving chronic illnesses and conditions claims involving sudden onset disabilities can make it much easier to succeed in obtaining benefits. While every claimant and medical condition is […]

When you need to file a claim under a disability insurance policy, or you’re trying to determine what kind of disability insurance coverage you need, it is important to understand the distinction between short-term disability insurance and long-term disability insurance. The policies are quite different in several key ways. Questions about when you qualify for benefits and how much you are eligible to receive will vary depending on the terms of your policy. While every disability insurance policy is unique, there are some basic differences between short-term and long-term disability coverage. An attorney who works with disability insurance claims can […]

Running any business comes with challenges, and operating a successful medical practice is no exception. It is necessary to consider the details and policies specific to the medical profession in order to protect patients and their private information. However, those in charge of a medical practice cannot ignore the regular business components that keep a business running smoothly. This includes hiring and retaining the staff necessary to keep your medical practice functional. One consideration in attracting the staff necessary for your medical practice is providing a compensation package to attract and successfully employ medical staff including physicians, nurses, and other […]

Anyone can get sick or injured at any time, including doctors. When illness or injury occurs, it is imperative to get the necessary medical treatment to aid in recovery, which sometimes includes surgery and ongoing care. As a doctor, you are well aware of frequent timeframes for the recovery of surgical patients. Recovery cannot be rushed, and the patient will return to daily activities and work activities when their health allows. Many doctors even prohibit their patients from returning to the workplace so that proper recovery can be well underway or complete by the time the patient does return to […]

Back injuries are a common health problem. Our spines are responsible for so much of our mobility and activities of daily life. When someone experiences a back injury, it may be immediately disabling or become disabling over time. When back injuries are compounded, pain and limited mobility can quickly become a completely disabling condition.  People have different tolerances and experiences when it comes to pain and limited physical capacity.  It may be difficult to identify precisely when a condition reaches the point of becoming disabling.  Thus, it is critical that injured doctors seek medical advice and appropriate care for these […]

A cancer diagnosis can quickly unsettle any individual. Uncertainty and fear creep into patients’ and caregivers’ minds as they face this new medical challenge. The good news is that medicine is constantly evolving, and new treatments for cancer have given new hope to patients and families. In some instances, treatment may only take a few months, and resolve before long-term disability insurance takes effect. Reviewing your insurance policy with the experienced legal team at Seltzer & Associates can help you prepare for filing a claim for long-term disability insurance benefits. Short-term disability insurance benefits can help a cancer patient lessen […]