What does "regular and continuous care of a physician" mean?
Most disability policies contain a provision requiring claimants to be under the continuous care of a physician and also require the claimant to be participating in reasonable treatment. We see many cases where benefits are terminated due to an alleged failure of the claimant to be under the regular care of a physician and thus a failure to obtain appropriate treatment for their disabling medical condition. In order to avoid being faced with this problem, all efforts should be made to ensure that you are receiving and following the treatment plan that is being prescribed for you. If access to medical care prevents you from complying with this requirement, all efforts to obtain appropriate medical treatment and the reasons it cannot be obtained should be documented if at all possible, as it will be much more difficult for an insurer to rely on this type of defence to a valid disability claim.
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