What type of doctor should I be treating with in order to claim long term disability benefits?

Disability attorney Gregory Dell discusses what type of doctor a claimant should be treating with in order to claim long term disability benefits.

Disability claimants often call us and ask what type of doctor they should be treating with in order to seek long-term disability benefits. The answer to this question is really that you can treat with just about any type of medical doctor for your claim for long-term disability benefits; however, you really should have your main attending physician be a specialist in the field for which you have a disability. For example, let’s assume that you have a neck disorder or a back disorder; you should really be treating with an orthopedic doctor who specializes in conditions of the spine.

Another example, if you have a heart condition, you should have a cardiologist as at least one of your doctors to complete your attending physician’s statement, which has to be sent to the long-term disability carrier in order to meet your burden of proving disability. So the answer is yes, an internal medicine doctor or general practitioner doctor would be acceptable. However, if you’re claiming some type of orthopedic, cardiac, or some type of other part of the body for which there are doctors that specialize, you should see a specialist as that would give you a lot better chance of getting your long-term disability benefits approved and continued to be paid.

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There are 2 comments

  • Linda, yes, include all medical records/treatment pertinent to your disabling condition(s).

    Stephen JessupApr 25, 2016  #2

  • I have just started the STD phase of my potential LTD after four cervical fusion (C3 to T1), the last three have been in the last three years. After each fusion, I have been left with continual residual and radial pain and burning in both arms. Aside from my orthopedic who is supporting my disability claim, I have a pain management doctor treating me with various narcodics and nerve injections. Can I have the pain management documentation included in my medical information with my MetLife claim?

    LindaApr 20, 2016  #1

FAQ

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Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

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No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

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When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

Reviews

Bruce R. (Arizona)

Steve Dell has done an exceptional job with my disability application process. The firm is extremely well managed. They have acquired an incredible amount of experience over many years. I recommend them for disability insurance claims without reservation. 

Don (Florida)

I called this firm a few months ago completely disparaged due to a company cutting off disability benefits at a time that nearly caused me to lose everything.

Attorney Alex Palmera and Danielle worked hard to reach an amicable settlement and my case was settled a few months later. This is a good firm and the specific expertise in disability claims saved me countless hours of hassle at a time when an already fragile state existed.

Thank you Mr. Palamara and Danielle.

Sandra B. (Arkansas)

I have nothing but good things to say about how my buyout was handled with my disability claim. The level of professionalism was amazing. All of my questions and concerns were answered either by Danielle L. or Alex P. in such a timely manner and with such care I would recommend them in a heartbeat to anyone needing to approach their provider with buyout options.

They did a fantastic job communicating between the provider and me, always keeping my best interest at heart and always answering my many many questions. They really did take most of the stress out of this whole situation. I would give them a 10 out of 10 for every step of this crazy journey. Thank you so much for helping me through this.

Brenda R. (New York)

I needed assistance with an appeal for a LTD claim that was initially denied. Stephen understood what needed to happen to win the appeal and he did win the appeal for me.

Michael C. (Virginia)

Greg Dell and his assistant Anneli have been extremely responsive and helpful, not only our initial consultations, but in follow-ups 1 and 2 years later with the insurance company to ensure that they comply with their agreements (which they did), as well as a separate and only slightly-related inquiry about our health insurance. I always hear back from them very quickly, which is rare and greatly appreciated.

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