Medical support is clearly the most important type of evidence that will be required if your disability claim has been denied based on a lack sufficient medical evidence to support your restrictions and limitations. The type of medical condition(s) that you believe are disabling and the number of doctors you are treating with will require a strategy to determine which doctor or doctors would be best to work with to obtain additional medical support. Our disability lawyers will work closely with you and your doctors to get the required additional medical support. We will advise you as to the exact medical information that we believe will strengthen your claim. In the many appeals that we draft we often obtain additional medical support from a medical expert that you may not have seen before.
The exact medical information that will be needed to successfully appeal a Hartford denial depends on your definition of disability and the quality of the initial claim denial letter prepared by Hartford. There are some universal items that will make or break your appeal. First and foremost is your medical documentation. Any disability claim is only as strong as the medical information that supports it. Examples of medical information that can prove invaluable to a claim include, but are not limited to:
- Medical Records from your doctors/treatment providers
- Psychotherapy Notes
- Physical Therapy or Occupational Therapy Notes
- Applicable diagnostic testing: MRI, Cat Scan, X-ray, bloodwork, EMG/Nerve Conduction studies and any other Objective Medical Testing
- Specialized testing such a neuropsychological testing or functional capacity examinations that can help verify subjective complaints
- Attending Physician's Statements
- Behavioral Health Statements
This is by no means an exhaustive list of medical based information to be submitted with an appeal. Within each of the above referenced items it is incredibly important that the content of these documents accurately reflect your condition and its impact on your ability to work. This may seem like an obvious statement, but all too often we see medical records and claim forms that contain errors (often due to standardized data entry forms in common medical record keeping systems) or that omit a patient’s complaints as to how their medical condition impacts their ability to work, or fails to establish medically supported restrictions and limitations- a standard that all insurance companies will look for in determining whether or not you should be paid. It is not enough to simply have a large quantity of supportive medical information, it must be quality information that properly documents the medical condition and establishes a connection between the condition and how it impacts your ability to work in either your occupation or any gainful occupation.