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Disability Claim: Physicians
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Your claims reviewer may be calling and questioning you when he or she investigates your long term disability income benefit claim. You should know all the things a claims reviewer might do to investigate your claim. Initially your claims reviewer is likely to request your medical records from the treating physicians that you have identified on your initial claim forms.
For the disability claim process, you want to be backed by a physician who is a specialist in your medical condition. It is ... helpful if they have good medical credentials, as indicated by their education and training, or the quality of the medical facilities where they practice. Fortunately, this is the same type of physician that is likely to give you good medical treatment as well.
The licensed physician who has been treating the insured for the claimed disabling condition and can certify the extent of disability should complete the Attending Physician's Statement. The treatment provided by the physician must be appropriate under normal and customary medical practices consistent with the disabling condition being claimed.
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