If you are a Long-term Disability benefits recipient, then the insurer is paying your claim and accepts that you are “totally disabled” as defined in the policy. While in receipt of these benefits, you will regularly visit your family doctor who will likely ask you how you’re feeling. Usually, doctors take point form notes or paraphrase what you are saying. You may advise that there is some improvement and the doctor’s note will just say “feeling better”.
It is imperative that you be as detailed as possible every time you visit any doctor to describe your injuries and how they affect your activities of daily living – employment, housekeeping, family responsibilities, caregiving, and socially.
The insurer will review a doctor’s note at face value as you feeling better and no longer being “totally disabled”. Medical notes are regularly taken out of context and used against LTD claim recipients.
This is one of the most common forms a long term disability carrier uses to deny a claim.
If you or a loved one have been injured and have been denied LTD benefits, you may be entitled to receive the help you deserve. Contact us at JEWELL RADIMISIS JORGE LL.P and a member of our team will be happy to assist you.