You have worked as a dentist for your entire career. Your family relies on you, and you have numerous financial obligations both at the office and at home. The stress associated with a disability can cause you significant problems, including, for example, the financial requirement that you contribute toward business overhead even when you are not raising revenue. In order to protect yourself in case of total or partial disability, you have purchased disability insurance.
Unfortunately, you suffer an injury or become so ill that you cannot continue your career, and you then file a disability claim with your insurance agent. Naturally, you expect it to be approved. Instead, shortly thereafter, you are contacted by an insurance adjuster, not your agent. Unlike your agent, the insurance adjuster is hostile; the questions that he asks suggest that you are malingering and have submitted a fraudulent claim. You attempt to be cooperative, providing the insurance adjuster with the additional information he requests, but your claim is again denied. To add insult to injury, you learn from the adjuster that the insurance company has conducted clandestine surveillance of you and videotaped your activities and, based on the tapes, believes that you are not disabled at all. Dumbfounded by the insurance company’s response, you ask yourself if there is anything that you can do to make the insurance company pay the benefits it promised. The answer is yes.