As a general guideline, you should be going to your doctor and receiving medical treatment often. We recommend visiting with your doctors and specialists at least every 3-6 months, if not more, in order to maintain your long-term disability benefits.
Most LTD policies require ongoing “proof of loss,” which essentially means you have to supply your insurance company with updated medical records and attending physician statements every so often. Having lack of medical information is a big reason many individuals get denied. Some insurance policies may also require that you actual treat with a medical doctor (M.D.), rather than having a nurse (R.N.) or physician assistant (P.A.) as your primary care provider.
Even if your condition is permanent and there is nothing more that can be done medically to resolve your symptoms, you should still continue to seek medical treatment in order to keep your eligibility for LTD benefits.
Even if you haven’t sought treatment in some time and your insurance company is threatening to deny your benefits due to lack of medical treatment or inadequate medical information, you may still have a chance at winning your claim. You can overcome these obstacles by attending an Occupational Medicine or Functional Capacity examination.
To get more tips on how to maintain your LTD claim and medical treatment, give us a call today at 855-999-1969.