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My insurer contacted my doctor, now what?

Posted by on Aug 19, 2016 in Articles, Articles - Disability, Life and Critical Illness | 0 comments

My insurer contacted my doctor, now what?

Your insurance company has asked your treating physician to complete a questionnaire regarding your ability to work and current medical condition, what should you do? Requesting that updated questionnaires be completed by a claimant’s treating physicians seems to be standard in the review process. Usually, these forms consist of yes or no questions, check boxes and requests for comments on restrictions and limitations. If you know the insurance company has requested such questionnaires from your physicians it is beneficial for you to...

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Will an insurance company ignore a treating doctor’s opinion?

Posted by on Jun 22, 2016 in Articles, Articles - Disability, Life and Critical Illness | 0 comments

Will an insurance company ignore a treating doctor’s opinion?

Many people, as well as their medical professionals, mistakenly believe that when they file a claim for short and/or long-term disability benefits, their disability insurance company has to accept the medical professional’s opinion that they are disabled.  Common sense suggests this is a reasonable assumption – but it couldn’t be further from the truth.  Why? Because many insurance companies simply do not want to pay people’s disability claims and, when armed with discretionary language in the policy, the insurance company has the final say...

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Reducing work hours may imperil disability coverage.

Posted by on Jun 10, 2016 in Articles, Articles - Disability, Life and Critical Illness | 0 comments

Reducing work hours may imperil disability coverage.

Many people who are struggling to work due to an acute unexpected medical condition do not have the opportunity to prepare or plan for filing a short and or long term disability claim.  My experience is that most people who eventually file disability claims have chronic medical conditions which have been ongoing for months and even years. During this difficult period disabled people often find themselves engaged in an heroic effort to continue working.  People engage in this long battle for many reasons, one is often financial, and the other...

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