I'm applying for long term disability with my employer's insurance company (metlife). First time doing this. Please share any advice you have.
More specifically, the "attending physician" is my surgeon who performed my fusion 2 years ago (and ruined my life). But, he takes no time at all to delve into my condition or help (just wanted the $ from surgery). The last time I saw him was a little over 2 months ago. When I applied for STD, I basically filled out all the info myself and sent to his nurse to sign. I did this because his office knows little about me and wouldn't put much effort into detailed explanations of my problems. (a typical visit includes my bringing in an MRI, him looking at it for 10 seconds, saying fusion looks good, end of appointment).
So, I've filled out some of the fields for them this time too. But not all. Some that I am questioning whether I should supply information or not for are:
-"Primary ICD-9", "Diagnosis":
-Secondary ICD-9", "Diagnosis::
-Current & Recommended Treatment Plans":
The STD fields were easy and these are more tailored towards a "medical language" response. I don't know how you would write the answers to some of those fields. So, if you recommend I help the doctor answer some of these fields, could you please help show me what some sample answers would be? I would obviously need to tailor to myself.
So, for example, under "objective findings" would it be appropriate to say:
"Patient shows failed fusion at L5/S1 according to MRI on Feb. 29th, 2012. Patient also shows spinal stenosis on CT-Scan and MRI from October 12, 2012"?
I am somewhat concerned with the doctors lack of engagement in my treatment and how that my appear to the insurance company. Seems like insurance may wonder why I haven't seen my surgeon more, why he doesn't have a clear treatment plan, why he doesn't have detailed description of my condition. Please let me know any advice you have in this area.