Story at-a-glance
- Start a claim if an injury or illness prevents you from doing your job.
- Notify the insurance company and request claim forms right away.
- Provide medical records, a list of job duties, and proof of income loss (if partial).
- Your claim must meet the policy’s definition of disability and elimination period.
- Your agent can help guide the process and avoid delays.
Step 1: Know When to File
The right time to file a claim is when your injury or illness stops you from doing the material and substantial duties of your occupation. For most physicians and dentists, that means your specific medical or dental specialty.
If your condition is expected to last beyond your policy’s elimination period (usually 90 days), it’s time to file.
Examples:
- A surgeon with hand tremors
- A dentist with a herniated disc
- A physician undergoing cancer treatment
Even if you’re still working part-time or in a different role, you may still qualify—especially with an “own-occupation” policy or partial (residual) disability rider.
Step 2: Contact the Insurance Company
Call or email the claims department listed on your policy. Let them know you’re starting the claim process, and request the necessary forms.
If you bought your policy through an agent (like DoctorDisability), let them know too—they can help guide the process and follow up with the carrier on your behalf.
Step 3: Fill Out the Forms
Most companies will ask for:
- A claimant’s statement (you describe what happened)
- A physician’s statement (your doctor confirms your condition)
- A job duties form (outlines your daily tasks)
- Proof of income (especially for partial disability claims)
Make sure everything is complete, accurate, and submitted on time. Incomplete forms are the #1 reason for delays.
Step 4: The Elimination Period
Most policies have a waiting period before benefits begin—usually 90 days from the start of your disability. You must remain disabled for that full period to qualify for payment.
Step 5: Review and Payment
Once all forms are received, the insurance company will review your claim. If approved, they’ll begin monthly benefit payments shortly after the elimination period ends.
They may check in with you monthly to:
- Confirm ongoing disability
- Request medical updates
- Ask for income proof (if partially disabled)
Tips for a Smooth Claim
- Keep a copy of everything you submit
- Respond quickly to requests
- Stay in touch with your agent—they can help avoid delays
- Be honest and specific about how your condition affects your work
Final Thought
Filing a disability insurance claim isn’t something you want to navigate alone—especially while you’re recovering. Knowing the steps (and having the right support) helps you get the benefits you deserve without unnecessary stress.
Need help understanding your policy or starting a claim? Head to our contact us page and reach out!
We’ll walk you through it and make sure nothing slips through the cracks.
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