Provident Life Insurance is facing a new disability insurance lawsuit from a former Westside Women’s Care obstetrics and gynecology doctor alleging the insurance company illegally denied his disability benefits claim.

According to Plaintiff Dr. Daniel S.’s disability insurance lawsuit, the claim denial was based on insufficient or no evidence.

Dr. Daniel filed his disability insurance lawsuit in May 2016, after Provident Life Insurance had allegedly failed in its duty to provide disability coverage after he became unable to perform the essential duties of his occupation due to a seizure disorder.

As an OBGYN doctor, his duties included standing around and using his hands for a variety of procedures, making it impossible for him to work with his seizure condition.

Furthermore, Dr. Daniel will be unable to obtain a similar occupation, or earn any significant income as he was getting paid previously, according to the claim. Under these conditions, Dr. Daniel stated that he met the requirements for long term disability benefits and applied for them from Provident Life Insurance.

Overview of Claim Denial Allegations

Provident Life Insurance would have ideally have provided monthly disability benefits to Dr. Daniel to compensate for the lost income, as he had provided the medical documentation to prove he meets qualification, the complaint stated.

In addition, Dr. Daniel had filed all paperwork and followed all administration procedure when filing this disability claim, but claims he had still been met with a claim denial. Dr. Daniel’s disability benefits would have been $15,000 per month, with the cost of living adjustment, which would have allowed him to live comfortably with his seizure condition.

Dr. Daniel is seeking over $50,000 in disability benefits resulting from the claim denial, along with other applicable damages.

In addition his former employer, Westside Women’s Care, is also joining the disability insurance lawsuit, alleging the insurance company violated its contractual duty regarding two policies it has with Provident Life Insurance.

These policies are Business Overhead Expense Policy and a Buy-Sell Policy, with Westside Women’s Care seeking benefits from both policies.

Under the Business Overhead Expense Policy, the insurance company would ideally cover costs up to $20,000 per month with a 365 day benefit period provided Daniel should be totally disabled.

The Buy-Sell Policy provides $8,333 per month for a benefit period of 60 months, also provided that Dr. Daniel be totally disabled. Westside Women’s Care is seeking damages for failing Dr. Daniel, as it may set a precedent for how the insurance may treat their other employees.

The Disability Insurance Lawsuit is Case No. 1:16-cv-01474 in the U.S. District Court for the District of Colorado.