Question
Do I still need to fill out Guardian claim forms if I am eligible for Presumptive Total Disability?
Four months ago I had tongue cancer, went through surgery and radiation. I lost my speech due to surgery and Guardian approved my claim. A letter was sent to me stating “you are eligible for Presumptive Total Disability” and my waiting period was waived and refunded. This month, an EOB was attached asking me to fill out a questionaire regarding how I’m doing and a form for my oncologist to fill out. My question is, being deemed eligible for Presumptive Total Disability, do I still need to turn in these requests? Isn’t Presumptive Total Disability means you’re presumed to be disabled for life?
Answer
Kate, it is common for benefit checks to be accompanied with claim forms as a matter of course. You can make inquiry to Guardian to see if they do need to be completed, as sometimes they do not. That being said, even with a Presumptive Total Disability, Guardian can still request an update as to your treatment and status – so if they want the forms completed, we would recommend you do.
