VIDEO: What to Do if Your Disability Insurance Company Wants to Send You to Its Doctor
Listen as experienced ERISA Disability Attorney John V. Tucker describes what to do if your Long Term Disability insurance company wants you to visit their doctor.
If your long term disability doctor wants you to go to their doctor, you will generally have to go to see them. After working on many long term disability cases including companies like Aetna, Cigna, Metlife, and others, I can tell you that you should attend your doctor visit with someone else. This is a way you protect yourself.
The insurance company’s doctor may have been hired over and over by the same company. Because of this, the odds of their doctor confirming your disability is very low. If your company is pressuring you to visit their doctor, then you should be cautious. They will likley have a private investigator follow you for a few days before the appointment, the day of your appointment, and a few days after your appointment. You will have to be careful with everything that that you say or do, as this private investigator is trying to catch you doing something that could be construed as evidence that you are faking your disability.
When you do go to that appointment, you’ll want to make sure that you take a friend or a nurse with you. They can be your extra set of ears, and they should take notes about the appointment. If you hire our law firm, we will take it to the next level. We will hire a professional videographer that will record your appointment. We want to make sure that we know exactly what happens in that room, and we will then have a record of the event.
As an example, let’s consider a previous client named Tom. Tom’s insurance wanted him to see their doctor. Even though he had very severe back pain, they had him drive over 2 hours to see the doctor. When he arrived he was in a significant amount of pain, and the doctor only met with him for 5 minutes. The doctor never even touched him. How can you assess a patient without touching them to check how their pain is? At the end of the appointment, the doctor proceeded to write a 9 page report of a physical that never happened. Unfortunately, Tom did not call us until AFTER his appointment. He did not bring a friend or someone to shoot video, and he did not have any proof of what happened at the exam with the insurance company’s doctor. Fortunately, we were able to find errors in the doctor’s report that still allowed us to win Tom’s claim, but it was much harder than it would have been had he hired a professional legal videographer. Their doctors are trained to outsmart you. You need everything you can get to level the playing field.