Is it unethical when a LTD carrier denies my claim for benefits based on a psychological paper review?
Is it unethical when a LTD carrier denies my claim for benefits based on a psychological paper review? Yes, the Principles of Medical Ethics, from the American Psychiatric Association section 7(3) says it is “unethical for a psychiatrist to offer a professional opinion about a specific individual unless he has conducted an examination.” If your claim has been denied based on a psychological paper review we strongly suggests you consider an appeal. For example, the court in Shehann vs. Metropolitan Life Insurance Company, 368F.supp.2nd 228(S.d.n.y. 2005), explained “The Court discounts the opinions of psychiatrist who...
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