WHAT ROLE WILL MY DOCTOR PLAY IN MY LTD LONG TERM DISABILITY CLAIM ?


Ltd companies and long term disability policies differ, but, often, your physician will be asked provide information at regular intervals. This may comprise a form that your doctor will need to complete once each month. This, of course, sounds simple enough; however many doctors do not like to complete such forms and will often charge their patients an inordinate fee for the "five crucial minutes" it takes them to help their disabled patients.

Unfortunately, the same phenomenon is seen in social security disability cases when treating physicians will sometimes refuse to provide written statements in support of their patients unless a fee has been paid.

Why would an ltd carrier require that forms be completed and submitted each month, particularly in cases where an individual's doctor has indicated that their prognosis will be unlikely to change? Some have likened this to harassment of physicians, or "digging" in the hope that a patient's doctor will, at some point, provide information that paves the way for denying benefits.

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