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What elements are typically required in a physician's medical report to process a disability income insurance claim?
Wiki User
∙ 10y ago
A disability may be a physical or mental impairment, lasting or expect to last more than 12 months, that results in the inability to safely engage in productive activities. The definition of disability varies among policies therefore in order to successfully process a claim the physician's medical report support the policy's definition. A physician's report typically requires some or all of the following:
*Relevant medical history, past history, social history, and family history
*Dates patient became disabled
*Subjective symptoms/complaints (patient's words)
*Objective findings on physical examination (example physical/mental status exam results, contusions, blood pressure)
*Severity of the illness/injury
*Laboratory and x-ray studies/findings, hospital discharge reports
*Diagnostic studies
*Diagnosis
*Medication
*Treatment prescribed/dates with patient's response and prognosis
*Medical prognosis (outcome of disease/injury based on medical findings)
*Names of any other treating physicians
*Date patient expected return to work
*Description of job duties and patient's ability to perform work
Wiki User
∙ 10y ago
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What elements are typically required in a physicians medical report to process a disabilty income insurance claim?
The doctor caring for a person claiming a disability must list the illness or injury you have. He must also tell how the illness or injury restricts or limits your ability to work. If there are ways for you to work with your illness or injury, he is required to list those as well. The doctor must be willing to certify the disability.
What are the essential elements of a contract of insurance?
there are four elements of insurance contract... offer,acceptance,consideration...
How to Obtain Disability Insurance?
Every year, thousands of people are injured at work. Many people may survive such injuries. However, many of those people also lose their ability to work due to debilitating disabilities. One way to guard against this possibility is through disability insurance. Disability insurance exists to provide people that can on longer work due to a disability with income. For many people, their livelihoods depend on receiving this income. Obtaining disability insurance isn't easy. However, if you use the advice below, you will find it is indeed obtainable. The first thing you should do is educate yourself on the different elements of a disability insurance plan. For one, you should be aware that the benefits period represents the length of time that the policy will pay out income. You should also know a term referred to as the elimination period. This is the space between being injured and when you receive disability income. For most policies, they will only pay out until someone reaches the age of 65. At that point, a person is expected to live off of income from Social Security. You should also inquire about whether or not your employer provides disability insurance. This is not very common. However, certain employers do provide this kind of insurance to their employees. Next, you should determine whether or not a policy meets your needs with the amount of coverage it provides. Certain plans only pay out a certain percent of your previous salary. You should investigate this and purchase a plan that you believe would pay out enough for you to live on until you reach the age of 65. You should also become educated on the exclusions of certain policies. Many policies have extremely strict guidelines that dictate what kinds of disabilities and injuries are covered and which are not. For example, certain plans may not cover mental disabilities. If you employer does not provide disability insurance, you may need to shop around for a plan yourself. You can do this by contacting insurance agents that work in your area. Visiting insurance websites on the internet is also a good option. In general, most large insurance companies offer disability plans. However, even if your employer does provide disability insurance, it may still be a good idea to supplement that plan with another policy. That should certainly be the case if your company's insurance wouldn't provide you with enough benefits to live on comfortably.
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