Closely Reading Guidelines and Your Claim for Long Term Disability Benefits
Closely read, “return to work guidelines.” Long Term Disability carriers will routinely use these to deny Long Term Disability claims. What are the guidelines? Quite frankly, these guidelines are at best estimated return to work dates created by a former Long Term Disability medical claims consultant, obviously you can tell that any of these guidelines will provide for an early return to work and are not favorable to Long Term Disability claims applicants.
Recently, Nancy Cavey, Orlando Long Term Disability attorney, came across a letter directed a treating physician asking the doctor to address the claimants ability to return to work based on a closely read “return to work guidelines”. Fortunately, the doctor resisted the temptation to impose artificial restrictions and limitations for a return to work on the claimant and rather used his best medical judgment and training in answering the Long Term Disability insurance companies questions.
If your doctor is being sent letters from your Long Term Disability carrier, you need to immediately contact Orlando area Long Term Disability attorney Nancy Cavey, who will help your doctor answer any and all letters from your Long Term Disability carrier and manage the contact between your doctor and the Long Term Disability carrier.
Nancy Cavey has written free consumer guides on Long Term Disability policies and the games that carriers play.