A Good Patient-Doctor Relationship Can Strengthen Your Claim for Disability Insurance Benefits

If you recently applied for disability insurance benefits, you may have been surprised at the amount of medical information the insurer requested before making a decision about your claim.

Evaluating Your Relationship With Your Doctor

It is a time when many claimants find themselves evaluating their relationship with their doctor, as they quickly realize that the quality, accuracy and thoroughness of the medical information their doctor has recorded over the months or years will have a significant impact on the outcome of their claim.

So how can doctors and patients ensure that they are each doing their part to get the most out of each visit?

A doctor should, among other things, listen respectfully, show compassion towards their patients and treat them as individuals with distinct needs.

Be Pro-Active About Your Health

A patient should be proactive about their health, communicate honestly and clearly with their doctor and be committed to prescribed treatments. This commitment to treatment also means that if the patient has any questions or concerns about said treatment, they should address this with their doctor instead of stopping or dismissing the treatment altogether, since the insurance company might view this as non-compliance and deny or cut-off benefits.

Good Patient-Doctor Relationship

A good patient-doctor relationship is one where the doctor is genuinely concerned for the well-being of their patients and the patient is committed to working together with their doctor to get better–both doctor and patient need to be on the same page. This will facilitate the insurance claims process because a) the doctor will be able to diagnose and treat the patient more accurately and b) the patient’s medical reports will be more detailed, with less room for errors or incorrect information.

Patients should also be cognizant of what their medical records contain and doctors should clearly explain why they have prescribed certain tests, treatments or medications. This helps to avoid unpleasant surprises that could give the insurer reason to deny the disability claim. For example, if a doctor has been monitoring a patient’s slightly high cholesterol for years but has failed to address this with the patient, the insurance company may come across this in the claimant’s medical records and use this information to deny benefits, citing any number of reasons such as “non-disclosure” or a “pre-existing medical condition.”

Has your insurance claim been denied? Contact Share Lawyers and put our experience to work for you.

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