Guest guest Posted July 6, 2007 Report Share Posted July 6, 2007 Tony, after spending many years working in the group health insurance industry, I can tell you that you can never be too careful when selecting a doctor. Typically, it works in your favor the longer you have been with a physician because they know more about you than a file tells. These can be important, determining factors when certifying continued LTD. The more you move around and shift physicians the less they have invested in you. I recommend if you cannot easily convince your new doc to get on the same LTD page with you, to get on-line, contact a local support organization and find other doctors in the area that might be a suitable replacement. Replacing a doctor should be an interview of sorts in which you consider the support you are looking for from that medical provider. While many might be excellent physicians, some fall short in knowing just how few options we have professionally after long stints on treatment. For some of us, that means never having the physical and mental capabilities we once did. My doctor understands all of this. He knows that some of his patients who have returned to work end up in bad shape because of work and health related stress, a reduction in sleep, and continued side effects from the disease and treatment. Other patients end up with jobs that don't offer LTD or good health insurance benefits which during a sudden illness might leave one of us with nowhere to turn and financially broken. You should review ALL forms sent on your behalf to an LTD insurance company from a medical provider with NO exceptions. I personally bring in my forms with me during my office visit. Some items I am able to fill in for my doctor to save time. We discuss what to include and then I make sure his staff faxes or mails the document before I leave the office. If LTD is truly as important to you as it is to me, the ongoing certification is your most important health related task. You must make sure nothing falls between the cracks. Sometimes it can be the difference between payment continuation and fighting a company that has no other goal that to find a way to eliminate your check. If your current doctor has any problems finding enough reasons to keep you on LTD, either give him more information to include or find a provider that has the ability to get the job done. Just my two cents… --JJ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 6, 2007 Report Share Posted July 6, 2007 Tony, after spending many years working in the group health insurance industry, I can tell you that you can never be too careful when selecting a doctor. Typically, it works in your favor the longer you have been with a physician because they know more about you than a file tells. These can be important, determining factors when certifying continued LTD. The more you move around and shift physicians the less they have invested in you. I recommend if you cannot easily convince your new doc to get on the same LTD page with you, to get on-line, contact a local support organization and find other doctors in the area that might be a suitable replacement. Replacing a doctor should be an interview of sorts in which you consider the support you are looking for from that medical provider. While many might be excellent physicians, some fall short in knowing just how few options we have professionally after long stints on treatment. For some of us, that means never having the physical and mental capabilities we once did. My doctor understands all of this. He knows that some of his patients who have returned to work end up in bad shape because of work and health related stress, a reduction in sleep, and continued side effects from the disease and treatment. Other patients end up with jobs that don't offer LTD or good health insurance benefits which during a sudden illness might leave one of us with nowhere to turn and financially broken. You should review ALL forms sent on your behalf to an LTD insurance company from a medical provider with NO exceptions. I personally bring in my forms with me during my office visit. Some items I am able to fill in for my doctor to save time. We discuss what to include and then I make sure his staff faxes or mails the document before I leave the office. If LTD is truly as important to you as it is to me, the ongoing certification is your most important health related task. You must make sure nothing falls between the cracks. Sometimes it can be the difference between payment continuation and fighting a company that has no other goal that to find a way to eliminate your check. If your current doctor has any problems finding enough reasons to keep you on LTD, either give him more information to include or find a provider that has the ability to get the job done. Just my two cents… --JJ Quote Link to comment Share on other sites More sharing options...
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