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1. You need advice and assistance in completing your claim forms and other insurance company requests. Picking the right date of disability, making sure your disabling condition is covered and is not excluded by a pre-existing condition, determining your pre-disability earnings and accurately completing your application is key to the beginning of a successful claims process. You should never complete anything, answer phone calls, or written requests of the disability insurance carrier unless you have assistance. Each one of these contacts with a disability insurance company is an opportunity to destroy your claim.
2. Most medical professionals believe that they know how to best explain their own personal medical condition, that is generally far from the truth. You need assistance in making sure that your claim forms are filled out correctly and in your best interest so that your disability is presented in a manner that is consistent with the law of your state so that you can receive disability insurance benefits on a continuing basis.
3. Long Term Disability carriers are not afraid to use independent medical evaulations. While you may have actually preformed an independent medical evaluation in your practice you have never been on the other side and know how to properly prepare for an independent medical evaluation.
4. Long Term Disability carriers routinely deny Long Term Disability claims on the basis of a lack of objective evidence. Objective evidence is not exactly what you think it might be as a physician. Developing and establishing objective evidence of diagnosis is a key to defeating one the first basis of Long Term Disability claim denials.
5. Long Term Disability claims are generally denied on the basis that there is a lack of objective evidence supporting the diagnosis and the claim is in fact based on subjective symptoms or complaints. At Cavey and Barrett, we participate with you and your attending physician to establish not only an objective basis of the diagnosis, but an objective basis of your disability. Many times Long Term Disability carriers will use your Activity of Daily Living forms and your physician’s own records to argue that you are subjectively disabled.
6. If your Long Term Disability claim is denied, simply writing an appeal letter will not get you benefits instituted. At Cavey and Barrett we obtain a copy of your LTD file and your thorough review to determine the basis of a denial. We then develop with you and your treating physician, a strategy for addressing each basis of a Long Term Disability claim denial and develop any medical, vocational evidence to support your Long Term Disability claim.
Many times there are vocational issues in the denial of Long Term Disability claims for example, a Long Term Disability carrier may say that you are still capable of performing essential functions of your own occupation when, they have no clue as to the essential functions of your job as a physician.
At Cavey and Barrett we suggest that every physician contemplating filing a Long Term Disability claim get disability claims advice. We are the disability claims consultants for medical professionals seeking Long Term Disability benefits.