Continuing with the list of the Ten Biggest Mistakes Legal Mistakes Physicians Make When Filing a Claim for Disability, written by disability insurance attorney Edward Comitz and originally published by SEAK, Inc. (2005), is Mistake #3.
MISTAKE NO. 3: Inadequate Documentation.
When submitting a claim and speaking with their carrier, it is important that physicians take notes to assist them in remembering what was said in the event that their claim is denied. They should keep notes of all telephone conversations (including the date and time of the call, and what was said) and identify the person with whom they were speaking. Every conversation with the carrier should be confirmed in a letter sent by certified mail so that there are no misunderstandings. The “paper trail” may later be used as evidence to establish unreasonable treatment during the claim administration process.
Action Step: Starting with their first telephone call to their insurer, physicians should document in detail their conversations and meetings, and confirm everything in writing, sent by certified mail..