Definition of Disability
The definition of disability for healthcare professionals should be narrow and specific. A broad and subjective definition leaves healthcare professionals vulnerable to being disqualified from receiving benefits.
MGIS defines disability based on the actual procedures each healthcare professional regularly performed for twelve months before the onset of disability.
The MGIS claims team determines “actual procedures” by obtaining billable procedure codes from the policyholder, including CPT, CDT/ADA, modifiers, and other codes relevant to the individual claimant.
If the MGIS claims team determines that the disability prohibits the claimant from performing one or more of these actual procedures, and there is a requisite loss of income, the claimant will be considered disabled.