Question
Can Aetna ask me for medical records I they are authorized to get them from my doctor? Why are they asking for records from years ago?
I made an appeal with AETNA and now they are calling me requesting medical record from November 2012. I asked them if they could provide me the records that they were missing and they said no that I should know that. When I first open my LTD claim with them I provided all my Doctor names, open authorizations to get my records and my doctors send directly the information to AETNA, now they are saying that the records are incomplete! They are asking me for medical records after November 2012, however, during the phone call they were referring to doctors that I have visited prior to November 2012 for some other conditions. What should I do? By the way – the person who called me from AETNA was very, very rude. Thanks.
Answer
Bryom, Ultimately as the insured it is your duty to provide all medical records in support of disability. As such, if these records are going to be beneficial to proving your disability it might be wise to provide them. That being said, I would warn you to be cautious if there is any indication by Aetna that your condition is caused by a pre-existing condition as Aetna may be looking to solidify its position.
