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substance abuse disability in physician

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D

DG41

Guest
I am an anesthesiologist in florida who was treated for intravenous substance abuse of anesthetic drugs. I still have my license and am in the state program for impaired physicians. I received disability from UNUM for about 18 months and they have now terminated benefits. My doctor is furious and doesnt' think I should return to anesthesia. Any thoughts on how best to approach this? The policy is a privately purchased policy.
 


ALawyer

Senior Member
Many disability policies have a specific time limit on the duration benefits will be paid. Some pay to age 65 (or older) and others pay only for 1, 2 or 5 years. I do not know what you bought. In addition, many plans also have shorter limits on benefits for so called "nervous" and "Mental" disorders -- often 2 years.

Without knowing precisely what your insurance policy provides, and what the basis UNUM had for stopping the benefits, I could not speculate on an approach or your rights.

One key issue is whether or not you meet the definition of "disabled" under the policy - and some plans have an "own occupation" (in your case being an anesthesiologist) definition while others it is anything that a person with your functional capabilities and education is suited for, such as being a physician at a Doc in the Box, while others use a much lower test -- similar to Social Security Disability -- "able to perform any job that exists in the National Economy" which could be a gate guard or a cash register operator.
 

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