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How do insurance companies define "medically supported restrictions or limitations?" (also known as R&Ls)


Restrictions are physical or mental tasks that your medical doctor has advised you cannot or should not ever do. Limitations are physical or mental tasks that your medical doctor says you may do occasionally or for limited amounts of time everyday. Remember that your description of your restrictions and limitations will be compared to your doctor's diagnosis of your restrictions and limitations. If the insurance company notices any inconsistencies, they will likely request for you to attend an IME (independent medical examination) or may deny you altogether. That is why it is important to work closely with your doctor when preparing a claim for disability insurance benefits, and to defer any questions from your insurer about your restrictions or limitations to your doctor.

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