Insurance Denials/Bad Faith Information, News & Blogs
For Doctors: Disability Insurance & Life Insurance Through COVID-19
Physicians and other healthcare workers are directly exposed to the novel coronavirus on a daily basis. At many points throughout the pandemic, they have been left without adequate personal protective equipment (PPE) or clear guidelines on how to isolate, treat, and avoid infection from active coronavirus patients. Doctors, like people in other professions, are… Read More »
Why Disability Insurance Companies Deny Benefits to Medical Professionals
Medical professionals often face unique challenges when seeking long-term disability (LTD) benefits. Medical professionals often have high salaries and benefits, which means that insurance payouts would be larger than for members of other professions. As a result, claims adjusters are likely to be even more stringent when evaluating disability claims from physicians and other… Read More »
Doctors With Long-Term Disability Policies Face Extra Scrutiny From Insurance Companies
Disability insurance protects medical professionals in the event that injury or illness prevents them from continuing in their profession. Insurance companies, however, do not favor doctors over any professionals; if they can find a reason to deny long-term disability (LTD) or short-term disability (STD) benefits to physicians in order to protect their profit margin,… Read More »
Everybody Wins: Gianelli & Morris says its insurance class actions help both sides
LOS ANGELES & SAN FRANCISCO Daily Journal MONDAY, FEBRUARY 22, 2021 By Shane Nelson Special to the Daily Journal Timothy J. Morris first encountered his long-time legal partner Robert S. Gianelli on a Pop Warner football field when the two were 10. “I was the quarterback for the Reseda Rams, and Rob was, I… Read More »
How Disability is Defined for Physicians With Long-Term Disability Policies
Disability insurance is meant to protect a policyholder who, due to illness or injury, is no longer able to work. Long-term disability (LTD) means the claimant will be unable to work for a significant period of time–typically two years, five years, or even until retirement, depending on the policy. How the policy defines “disability”… Read More »
Gianelli & Morris Helps Client Overcome “Lack of Medical Necessity” Insurance Denial
Recently on this blog, we discussed one of the principal reasons given by health insurance providers in denying claims: lack of medical necessity. Insurance providers sometimes reject a claim as medically unnecessary even when the treating physician recommends the treatment to deal with a given illness or injury. Insurers try to shield themselves by… Read More »
Gianelli & Morris Takes Blue Shield to Task for Wrongful Blanket Denials of Coflex
As we’ve recently discussed, health insurance companies often try to impose blanket rules for denying entire categories of claims, even when those rules fly in the face of modern medical science. Sometimes, they state that treatments are not medically “necessary” just because similar treatments are also used for cosmetic purposes. In other instances, they… Read More »
Who Decides What Is Medically Necessary?
One of the most common reasons health insurance providers give when denying a claim is that the requested procedure or treatment was not “medically necessary.” Cosmetic procedures or other elective treatments are typically excluded from coverage for this reason. In many cases, however, a treating physician will recommend a procedure or referral to a… Read More »
When Can a Life Insurance Policy Deny My Claim?
Life insurance companies are always looking for a reason to deny claims or limit payouts. Do not be fooled, however: There are very specific reasons for which an insurance provider can deny a claim, and the reasons available depend in part on how long the policy has been in place. If your life insurance… Read More »
Steps to Deal with an Unreasonable Insurance Company
Insurance companies will often use every means available to them to delay, limit, or avoid a payout entirely on a policy, regardless of the validity of the claim. They might stall their investigation, issue unreasonable document requests, offer you a lowball settlement, or drag their feet in issuing a payout. When your insurance company… Read More »
