The long term disability carrier will send your doctor a physician disability form to complete which asks questions about your physical restrictions and limitations. Unfortunately, there is no routine form and many of the forms are designed so that your physician will ultimately opine that you’re capable of sedentary work. Why? The long term disability carrier wants to deny your claim.
If the form that your doctor has been sent by the long term disability carrier simply doesn’t address all of your restrictions and limitations, have your doctor document on the form what, in fact, your restrictions and limitations are as a result of your medical condition.
The Definition of Disability
Before you have your physician complete the form, get out your policy and look at the definition of disability. Many times the definition of disability includes an inability to do the “material and substantial duties of your own occupation as performed in the national economy.” You will want to get a description of your occupational duties and provide that to your physician outlining for them the material and substantial duties of your occupation. You want to make sure that your doctor understands the standard of disability before completing the RFC forms.
Getting The Help You Need for Long Term Disability
Using a combination of exertional and non-exertional impairments can be crucial to winning your long term disability claim. You should contact an experienced long term disability attorney, such as Nancy Cavey to help develop the exertional and non-exertional impairments that can help win your claim.
It is crucial that you and your physician understand the standard of disability and the proof needed to get the benefits you need. Contact long term disability attorney, Nancy Cavey, who can help you get the benefits you need regardless of where you live in the United States. She has written to go to guide for Long Term Disability – Get it Here!