Hi there. I received my first annual update form from my insurer (Blue Cross) and was wondering if anyone could send me a link if they’ve found a good example of how to complete the form? I did watch David’s video on the 3 traps to avoid but I’m worried I may not be wording things correctly or saying too much and possibly triggering the insurer to investigate further. My form doesn’t involve requiring my doctor to fill out a potion, it’s just for me to fill out. David charges $350 to review this form but can’t afford that at the moment so hoping there’s some good examples out there someone would share. thanks!
My annual form is just an online multiple choice questionnaire.
The less you say, the better.
Be vague about everything, “I don’t know” and “maybe”.
How many questions?
not very many but they are definitely “leading” questions trying to get you to trip up. Thanks
Can you tell us the questions if that doesn’t violate your privacy?
You can’t be too paranoid in your answers.
No hard statements, everything should be wishy-washy.
I’m not sure you should post the questions.
Example:
Q. When do you think you can return to work?
A. I have no idea.
One of mine that they always ask is:
Q. Have you seen your doctor in the past year, how many times?
A. My answer is usually 2 I think.
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Modifiers like sometimes, often, usually, it varies are your friends. What I did for anything substantial was to type out the answers on a page on my computer then come back and edit it a few times. I was astonished at the number of relevant things that came back to me over a couple of days.
Then I went through each answer extremely carefully to make sure that each statement I made was absolutely correct and difficult to disprove by surveillance (generally this involved setting out ranges of how my condition varies and adding clarification if the questions might elicit a misleading response). I added a paragraph explaining why their questions didn’t really get at the source of my disability because the questions were directed at the wrong reasons for not being able to walk - there’s nothing seriously wrong with my legs, but I can’t walk because walking also includes cardiovascular, balance, energy levels, etc. I also watched out for stupid gotchas like how much time a day do you spend doing these activities, I do them 24 hours a day duh because that’s how long a day is (resting was one of the activities).
So make yourself some notes, do that a few days in a row, be meticulous about ensuring what you state is 100% true, and think about how that question and answer could be used against you and remove or add clarification as needed.
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