Continuing with the countdown of The 10 Biggest Legal Mistakes Dentists Make When Filing a Claim for Disability:

MISTAKE NO. 9:  Blindly Accepting that Subjectively Diagnosed Conditions Are Not Covered

Disability insurers often deny benefits by insisting that the insured’s subjective symptoms do not provide objective, verifiabe evidence of disability.  In many cases, there is no provision or contractual requirement mandating that the insured submit objective evidence of disability.  Therefore, from the insured’s perspective, these insurance companies are merely trying to save money by generously interpreting policy language in favor of a claim termination.  Notwithstanding the subjective nature of a particular condition, the insured may be able to secure benefits with ample evidence bearing on the extent and severity of his or her limitations, which is far more important than providing a definitive diagnosis.

Action Step:  The severity and extent of the limitations are more important than an objectively verifiable diagnosis and must be fully communicated to a dentist’s insurer.