LTD And medical information

I am awaiting a decision and the insurer is stalling… my specialist filled out the forms with diagnosis, limitations, treatment plan, prognosis and that I am compliant with treatment. The insurer’s case mgr (CM)is insisting on more information and chart notes. The CM is not a dr, is not involved in my treatment… since the relevant info about ailment is already provided what or why would they require chart notes. This to me is a breach of confidentiality or just plan nosiness… I understand they need medical info to make decision but how much as I feel this is intrusive and unnecessary given what was provided… please advise

The insurance companies have doctors or nurses who review all the medical records and give opinions to the claim managers. This is not a situation of nosiness – medical records provide better context to a person’s situation and quite frankly are often the key to success. When we represent a person in an appeal, one of the first thing we do is require the full medical files going back many years.

David Brannen

Disability Lawyer with Resolute Legal

The response posted above is based on the limited factual information made available and is not intended as a full and complete response to the question. The only reliable manner to obtain complete and adequate legal advice is to consult with a lawyer, fully explain your situation, and allow the lawyer enough time to research the applicable law and facts required to give an adequate opinion. The basic information provided above is intended as a public service only, a full one-on-one discussion with a lawyer should be done before taking any any action. The information posted on this forum is available to the viewing public and is not intended to create a lawyer client relationship with any person. If you want one-on-one advice, please click here to request a free consultation or call toll free 1-877-282-5188 to speak with a member with our disability claim support team.

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