2018-2025 Form

Understanding the Attending Physician's Statement for Disability Claims

The Attending Physician's Statement (APS) is a critical document in the disability claims process, particularly for claims submitted through Manulife. This statement provides essential medical information that supports a claim for disability benefits. It is typically completed by the claimant's physician and includes details about the patient's diagnosis, treatment, and prognosis. The APS helps the insurance company assess the validity of the claim and determine the appropriate benefits to be awarded.

Steps to Complete the Attending Physician's Statement

Completing the Attending Physician's Statement involves several key steps:

• Gather Patient Information: Ensure all relevant patient details, such as name, date of birth, and policy number, are accurately recorded.
• Document Medical History: The physician should provide a thorough medical history, including any previous conditions that may relate to the current disability.
• Detail Current Condition: The APS must outline the current diagnosis and how it affects the patient's ability to work or perform daily activities.
• Outline Treatment Plan: Include information about ongoing treatments, medications, and any recommended therapies.
• Provide Prognosis: The physician should give an estimate of the patient's recovery timeline and any potential for improvement.

Obtaining the Attending Physician's Statement

To obtain the Attending Physician's Statement, the claimant should follow these steps:

• Contact Your Physician: Reach out to the attending physician to request the completion of the APS.
• Provide Necessary Forms: Ensure that the physician has the correct form, which can typically be obtained from the insurance company.
• Schedule an Appointment: If necessary, arrange for a follow-up appointment to discuss the details required for the APS.
• Review the Completed Form: Once the physician has filled out the APS, review it for accuracy before submission.

Legal Use of the Attending Physician's Statement

The Attending Physician's Statement is a legally binding document that serves as a formal declaration of the patient's medical condition. It is crucial that the information provided is truthful and accurate, as any discrepancies or false information can lead to complications in the claims process. The APS may be used in legal proceedings if there are disputes regarding the claim, making it essential for physicians to provide a comprehensive and honest assessment.

Required Documents for Submission

When submitting a disability claim that includes the Attending Physician's Statement, several documents are typically required:

• Completed APS: The signed and dated Attending Physician's Statement.
• Claimant's Personal Information: Documents verifying the claimant's identity and insurance coverage.
• Medical Records: Any additional medical records that support the claim may be requested.
• Proof of Income: Documentation showing the claimant's income prior to the disability.

Filing Deadlines for Disability Claims

It is important to be aware of filing deadlines when submitting a disability claim. Generally, claims must be filed within a specific period following the onset of the disability. Delays in submission can result in denied claims. Claimants should check with Manulife for the exact deadlines applicable to their situation to ensure timely processing of their claims.