Are Doctor notes considered legal documents in relation to insurance claims?
My family doctor had sent me to a specialist for pain management years ago and this specialist filled out the insurance forms for long term disability. When I applied for mortgage insurance, the insurance company wanted more information (specific information)about my medical history between certain dates. They sent a letter to my family doctor asking for this information. In his letter he stated that I did not seek medical treatments in regards to the insurance companies questions, but that he would send along with this letter, his notes from this time period. I was then denied insurance because of the information on his notes.
If it was the specialist who filled out the disability forms, that is who should be answering the questions for you now. Seems to me your family doctor was just answering truthfully–he is not the one certifying your disability.
Get your records from the specialist and try again.
November 23rd, 2009 at 12:24 am
ask the dr directly for your medical records. you are legally entireled to them.
do not tell him why you need them. he fears a lawsuit. i had to get records once. get copies after each visit btw, but the dr balked it was for a divorce. whne he realized why i need them i go tthem much faster.
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November 23rd, 2009 at 12:33 am
I’m not sure that whether or not the doctor’s notes are "legal documents" really answers your question. An insurance company does have the right to rely on your doctor’s records in making decisions regarding underwriting — which means deciding whether or not to sell you insurance. Generally, no insurance company is obligated to sell insurance to anyone they don’t want to and they certainly have the right to rely on your doctor’s records in making that determination.
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November 23rd, 2009 at 1:08 am
If it was the specialist who filled out the disability forms, that is who should be answering the questions for you now. Seems to me your family doctor was just answering truthfully–he is not the one certifying your disability.
Get your records from the specialist and try again.
References :