As a dentist, you know that your education, training and practical experience are the key components for running a successful dental practice. Reaching this milestone required a significant amount of time and money. Getting to where you are; requires diligence in your schoolwork and spending a great sum of money to get through dental school. According to the American Dental Education Association (ADEA), the average student loan debt for indebted dental school graduates from the class of 2019 was approaching three-hundred thousand dollars.
Dentist Disability: What You Need to Know
Anyone can develop a disability. But some professions come with greater risk, including dentistry. More specifically, neurological and musculoskeletal medical conditions can arise over time. The symptoms from these medical ailments can be occupationally impairing. Often, repetitive movements lead to injuries.
After all, dentists and dental surgeons spend vast amounts of time each day bent over patients. They may spend significant time in awkward positions and postures, which can take a major toll on the dentist’s well-being.
Not only does the wrong posture cause harm to dentists, but they must also work with their arms and hands away from their bodies. Dentists perform repetitive motions and maintain their grip on vibrating instruments.
Over time, the postures and movements of a dentist, dental surgeon, or other dental healthcare professionals can manifest in various conditions. They may include disorders of the:
- Lower back
- Upper back
Disability insurance should provide you with peace of mind. It’s the kind of insurance you don’t want to use. You pay premiums for this type of coverage, “just in case.” At least one study suggests that almost 75% of dentists suffer from generalized pain in the back, neck or upper extremities. H.S. Bedi, Ninad Joshirao Moon, et al., Evaluation of Musculoskeletal Disorders in Dentists and Application of DMAIC Technique to Improve the Ergonomics at Dental Clinics and Meta-Analysis of Literature, J. Clin. Diagn. Res., Jun 1, 2015, at 1
In more severe cases, dentists and other dental health practitioners may suffer from herniated discs, spinal disc degeneration, and chronic pain. Repetitive motions and holding instruments for extended periods may also lead to impairments of the arms, hands, and fingers.
Dentist Disability: What You Need to Know
You paid premiums each month for peace of mind. You have lived up to your end of the bargain.
You expect in your time of need that your insurance company will honor its obligation. After all, you paid premiums to cover you, “just in case.” Most of the time, the insurance company will provide the coverage that you paid for in your time of need. But not all insurance companies uphold their obligations.
Disability Claim Lawyers
But what happens if your disability claim gets denied? That’s when you need to turn to a lawyer who has represented dentists assisting them in filing claims for benefits with insurance companies, and one who has filed suits when the insurance company just will not pay.
It’s one thing to deal with a sales rep from a dental insurance company when you purchase insurance. But it can be quite another to deal with the company’s claims examiner. Suddenly, you go from a helpful, personable individual to someone who may be questioning your honesty and your integrity.
In recent years, we’ve noticed a significant trend towards insurance companies denying dental disability insurance claims. The incidence of disability claims filed has turned out to be more than insurance company actuaries predicted. The result sometimes is unfair claims practices.
But you can fight back if you feel you’ve been unfairly denied. And you don’t have to settle for less, either.
Dentists: We Can Help
Don’t let your dentist disability claim turn into an exhausting battle with few benefits. Instead, turn to an experienced law firm that deals with dentist disability claims every day. We understand what should happen and how to get the most favorable outcome.
Contact us today for complimentary legal advice to help you navigate the challenging terrain of a dentist disability claim.