If you are a health care provider (physican, surgeon, dentist, chiropractor, plastic surgeon, orthodontist), you are going to have a harder time with your disability claim. You just are.

Something has happened to you that affects either your cognitive ability, your energy level, your vision or your manual dexterity. Perhaps you can’t stand as long as you once could in order to do your procedure. In some cases, not only is your enjoyment of your chosen profession going down but, in many cases, the safety of your patients is at risk.

But, let’s face it. You are an expensive proposition for the long-term disability insurance companies. They hate you as a claimant. They love the premiums they’ve been collecting since they sold you the policy but now that you are asking them to pay, they shun you.

Here are some tips for doctors and dentists who are thinking about making a claim for long-term disability benefits under a group or individual policy.