Disability attorney Gregory Dell discusses how often a disability insurance company requires a claimant to treat with a doctor.
The disability insurance company will have different expectations as to how long you should treat with your doctor based upon what your disabling medical condition is. There are two types of medical conditions that are disabling. It can be physical or it could be psychiatric. If you have a psychiatric disabling condition, you should be seeing your doctor at least once a month or once a week, but at an absolute minimum of once a month. And often if you have a psychiatric medical condition, you’re treating with both a psychiatrist and a psychologist.
With a physical disability, you should be seeing your doctor at an absolute minimum of once every three months, and it would probably be in your best interest to see the doctor more often. However, we obviously understand that if you have a medical condition that’s been diagnosed by your doctor that you don’t have to keep going back to the doctor for him to keep telling you that you have the same thing. However, under these long-term disability policies, the policies require you to continue to be under the appropriate care of a doctor. If you aren’t under the appropriate care of a doctor, your claim could be denied.