I need some advice on how others have dealt with LTDI forms for my situation, I am applying for LTDI shortly and am currently under the care of a specialist for my primary diagnosis. I have other chronic conditions (2) and for those I am under the care of specialists (GP is aware) that also have an impact on my primary diagnosis and vice versa due to physical limitations and medications so i am thinking that they should be noted as well in case they start impacting as well and cause further deterioration. The last thing i want is insurance saying “Well you didn’t mention those when we asked”. Should i give one copy of the form to my GP and the other one for my specialist (primary diagnosis) to fill out?Just want to make sure i am doing the right thing as this may turn into a legal matter later on so if you could provide some insight or share your experiences that will be great. Much appreciate your advice and feedback!
I had something like 11 specialists at the time and I felt it would be unreasonable to do what the form requested. I decided to have only my family doctor provide the forms (partly because it was near impossible to get anything from the specialists in the timeline that the insurance company requested) and I noted that the specialists were all reporting to my family doctor and she was coordinating my care with all of the specialists. My family doctor forwarded my hefty file and answered the questions the insurance company had and that was that.
You are correct that it’s better to be forthcoming. Credibility is essential. If you haven’t yet read them, check Resolute Legal’s main website for guides on how to tell your story and what to include.
If the specialist is aware of medications the GP is prescribing then they are the better choice to sign the forms.
Caro has a good answer.
I went through my specialist only for the forms.
The medical reports I got from the clinic of my GP (a lot of pages on USB for them :-)).
Thanks for the responses. I believe all this confusion can be eliminated if the insurers update their documentation to include a specialist report section and not have GP fill out on behalf of the specialist so if you are seeing a specialist on a regular basis for your primary diagnosis (the one that matters) there would be no issue in obtaining that report but then it would make it more straightforward and the excuse “Now we need a report from the specialist or now we are waiting for a report from the specialist” the one that delays compensation will no longer work i guess.
What level of detail should there be in specialist’s clinical notes. I asked my specialist (psychiatrist) to share with me to what she is planning on attaching to the statement and i find she is attaching a copy of all clinical notes and these notes contains very personal (spoken/observable behaviours) throughout my illness. Some of it could be deemed confidential information so the question is should these be handed over to LTDI as these are separate from the objective diagnosis or is it possible to redact some information. Wondering if you are able to provide some feedback around this and what your experience has been. Thanks
My condition is physical so it was pretty straightforward to support.
With my policy I am responsible to support my claim so any clinical notes (in my case) would probably be good.
I would think that it is better to include everything.
I guess you could talk to your specialist and express your concerns.
I don’t think she has to release everything.
My doctor always did very detailed summaries and told me exactly what they were communicating. I would not be happy if it was in non-summary form and find it unnecessary.