What Is My Doctor's Role in My LTD Claim?
Going through the process of filing a short or long term disability claim can be confusing. It is important to understand that your treating doctor’s role in your LTD claim is critical. Not only is it important to provide the disability insurance company with your medical records, but you should also gather supportive statements from your doctors. This is because your doctor will be key in helping you get your benefits.
How to Get Your Doctors on Board
Before filing a claim for short term and long term disability benefits you should make an appointment with your doctor. During this appointment you should have a heart-to-heart and discuss your decision to stop working. Let your doctor know that he or she will be vital in your success for obtaining disability benefits. The insurance company will have their own doctors who will likely decide you are not disabled, you will need as much support as possible from your treating physicians.
The following steps may help you in getting your doctor to support your case:
- When you make your appointment, ask the office to let your doctor know you want to discuss disability;
- Bring in the necessary paperwork with you to your appointment;
- Explain to your doctor why you need to file disability. Be as detailed as possible;
- Inform your doctor that filing a disability claim can help you focus on your health and treatment and possibly improve your condition;
- Provide your doctor with a copy of your job description and duties so he or she can better understand your situation.
If your doctor refuses to help, do not get discouraged. Try to re-explain your situation and see if he or she has a change of heart. Some physicians,however, will not get involved in a disability claim even if they think their patient should not work. If that is the case for you, seek out another doctor who is willing to support your disability claim and has treated your conditions.
Information You Can Get from Your Doctor
One of the most common reasons for a denial or termination of long term disability benefits is lack of proof of loss. This means there is not enough medical evidence to prove disability. Making sure your doctor will support your decision to file for disability benefits will increase your chances of an approval. Examples of documents that your doctor may need to complete or respond to during your long term disability claim include:
- Attending Physician Statement;
- Medical Questionnaires;
- Letters of support;
- Physician reviewer’s medical opinion;
- Independent Medical Evaluation report; or
- Functional Capacity Evaluation report.
You should know that sometimes your doctor will charge a fee to fill out disability forms or respond to the insurance company’s requests. Many times, however, supportive doctors do not charge a fee to their patients.
Help from a Lawyer with Expertise in Disability Insurance
This law firm was built to be a disability insurance law firm.
That focus means:
- All of our lawyers specialize in disability insurance claims;
- We have experience with every major disability insurance company;
- We have won important long term disability lawsuits.
Our disability lawyers can help you with:
- Submitting a disability insurance claim;
- Appealing a long-term disability denial;
- Negotiating a lump-sum settlement; or
- Filing a lawsuit against your disability insurance company.
Hiring an experienced disability attorney is important. Because federal law applies to most disability insurance claims, our lawyers do not have to be located in your state.
Call for a free consultation with an experienced disability attorney. Pay no fees or costs unless you get paid.