How CPT Codes Affect Orthopedic Surgeon LTD Claims and How to Appeal such Denials
Many insurance companies have aggressively marketed their disability insurance coverage to physicians, dentists and others, specifically targeting “specialists” with attractive “Own Occupation” protection. The insurrance companies induced these professionals to purchase disability insurance with liberal definitions of Total Disability, such as “the inability to perform the material and substantial duties of Your Own Occupation, They […]
How CPT Codes Affect OBGYN LTD Claim
Due to the significant changes in how medical billing is coded, it’s essential to keep up with current coding tips to help protect your practice and avoid claims denials. Denials for procedures hit 17% in 2021, with even higher rates in hospitals. One of the most significant contributors to OBGYN LTD’s claim denials is incorrect […]
7 Steps to Take Before Filing a Long-Term Care Claim
If you or a loved one are in dire need of a long-term care plan, the process of filing a claim can be quite difficult to navigate. Here are some essential steps to take while in the process of filing a long-term care claim. Designate a family to coordinate the process Before filing a claim, […]
How To Overcome Obstacles in Receiving Long-Term-Care Benefits?
Receiving a claim denial on your long-term care coverage is the beginning not the end. In fact, a substantial number of insurance policyholders will have their claims denied, at least initially. That’s deeply concerning when you need your long-term care benefits. In this article, we hope to help you shed those worries by teaching you […]
LTD Claim Denials for Orthopedic Surgeons – We Will Fight for You
In 2020, American healthcare and social services professionals had the most illnesses and injuries of any industry. They saw a 249 percent increase compared to previous years. If you’re an orthopedic surgeon, you could be at risk. Do you have long-term disability insurance? Have you suffered a disabling illness or injury that prevents you from […]
How to Avoid the Obstacles of Long-Term-Care Claim Denials?
Receiving a claim denial on your long-term care coverage is the beginning not the end. In fact, anywhere from one-quarter to one-third of patients will have their claims denied from the ages of 60 to 69. That’s deeply concerning when you need your long term care benefits. In this article, we hope to help you […]
What Activities of Daily Living (ADLs) Trigger Long-Term Care Insurance Benefits?
Activities of daily living (ADLs) are a list of general activities necessary for one to function and live independently in a household. The six standard ADLs are generally recognized as bathing, dressing, toileting, transferring (getting in and out of bed or chair), eating, and continence. ADLs are the most common triggers used by insurance companies […]
What Are Cognitive Impairments That Trigger Long Term Care Benefits?
Long term care insurance can provide daily benefits for individuals who cannot perform two of the six classified activities of daily living (ADLs) or who suffer from cognitive impairment. Cognitive impairment is the deterioration or loss in mental capacity that poses a danger to oneself and others. These individuals require substantial supervision to protect themselves […]
What If My Long-Term Care Policy Lapses?
Why It Lapses If you don’t pay your premium, your long-term care insurance policy (LTC policy) coverage will lapse. Protection From Lapsed Coverage Most LTC policies have provide for lapse protection, in addition, to minimum requirements of state laws. Usually, the application requests the name of a designated individual who will receive a notice for […]