– Mistake number two is not knowing what’s in your doctor’s records
before you make your claim. Disability insurance companies
only pay disability benefits if they’re convinced
that your medical records contains sufficient objective
proof that you’re disabled. As soon as you file your claim, the disability insurance
company will request records from your doctors and any doctors who are mentioned in your doctors’ records and will carefully review those records. In one case a disability
insurance company denied benefits because the records of another person were accidentally included in the records sent by the doctor. Those records said everything was well and the insurance company
relied on those records. That was a great investigation, wasn’t it? The claims adjuster was responsible for so many files that
she failed to notice she was reading the wrong medical records. The injured employee
never knew that his doctor had mistakenly sent
someone else’s records in because he didn’t get his doctor’s records
first and review them. It was only after this
employee hired a lawyer and sued the long-term
disability insurance company that they found out that the wrong records were included in the medical submitted to the disability carrier. All that expense and
hassle was 100% avoidable by requesting the medical
records before filing the claim with the disability insurance company. To avoid making the mistake of not knowing what’s
in your doctor’s records before making your claim get your medical records from your doctor, review them yourself. Are they accurate, are they complete? Has the doctor recorded
all of your complaints? Is there an objective basis
for the doctor’s diagnosis and his opinion that you’re disabled? How your doctor documented the proper date of your disability? If you find there’s a
mistake in your records, you need to get it corrected
before those records are sent to the long-term
disability carrier.