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Spotlight on California MDs and Long-Term Disability Insurance

A compelling argument can be made that virtually every worker in California and across the country needs the safeguards provided by long-term disability insurance. Federal government research reveals that about 25% of all Americans will suffer from disabling conditions prior to the age of 67. The financial ramifications in any case where that occurs can be dire, indeed, if insurance is not in place to provide adequate protection. Yet, legions of people ignore that reality.

“They think they’re exempt, that it’s not going to happen to them,” says one older disabled doctor, who points to his own occupation group as having an especially strong need for LTD coverage.

It’s not hard to see why physicians would need to protect against disabling conditions that can imperil their livelihood and income. A recent article on LTD insurance and medical professionals states the obvious, namely, that doctors “have unique jobs and high incomes.” They train long, hard and at great expense to secure their credentials, and they often incur great costs to safeguard against malpractice, buy equipment, pay rent and compensate staff.

The financial risks for a doctor who becomes disabled are unquestionably dire and clear. This makes having a quality LTD policy in force extremely important. Most MDs readily appreciate that. An American Medical Association survey indicates that about three-quarters of U.S. physicians carry long-term disability coverage.

Of course, it is one thing to have coverage and quite another to ensure that the contracted for protections flow when a triggering condition occurs. An insurer’s denial or delaying tactics can turn a medical professional’s life upside down in a hurry.

A California doctor who is encountering difficulties with an insurer’s performance under a long-term disability contract can contact a seasoned LTD insurance attorney for guidance and aggressive legal representation aimed at securing the full policy benefits.

Client Reviews
Just when I thought there was no hope to recover my LTD benefits, I found attorney Constantin Roboostoff. With his expertise, I was able to recover all of my back long term disability benefits. Other attorneys wouldn’t take my case because it wasn’t cut and dry. Mr. Roboostoff took the challenge and did an incredible job. Not only did he get my current disability benefits going, he also recovered all my back benefits. He was a true blessing and I would recommend him whole heartedly. CW
It was my pleasure to make contact with Scott Kalkin three years ago after other lawyers had turned me away and told me I would not succeed in my lawsuit. Thanks to Scott's thoroughness, dedication, and diligence, my lawsuit WAS successful and he saw me through to the end, which included putting legal pressure on the insurance company which had invested so much time, personnel, and money, in not paying me what was due. RB
As soon as I met with Scott, I could tell he was knowledgeable, resourceful, experienced, highly professional, and would be dedicated to getting me fair treatment. Scott has handled all interactions with my insurance company ever since. Being able to rely on him to represent me has been a huge relief for a chronically ill person. SO