Navigating through the process of obtaining or keeping your short-term or long-term disability includes obtaining supportive statements from your treating physicians. Not only is it important to collect medical records for your claim but also it is imperative that you garner an attending physician statement that will support your disability.
Prior to filing for short-term or long-term insurance benefits, you should make an appointment with your doctor to discuss your decision to leave work. Once you arrive at your appointment, be sure to take the time to explain why you need their help in the claims process. If you need a form or letter written, make sure that the doctor explains in as much detail as possible the severity of the symptoms you experience and how they impact your ability to work.
One of the most common reasons for a disability claim denial by an insurance company is due to lack of proof of disability. Starting the process with your physician should happen prior to submitting a disability claim. Waiting to file a disability claim until after confirming first that your physician will be willing to provide support will help ensure a positive outcome.