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Hi I'm Greg Dell, and today I'm here with Cesar Bavaria, and we're going to talk about the attending physician statements that are required in a long term disability insurance claim as well as short term disability insurance claims and some of the problems that we usually see when it comes to filling out an attending physician statement and the first question I want to ask you Cesar that we get a lot is what is this attending physician statement of why is it required by the disability insurance companies sure it's a cut it's basically a customary form that the insurance company sends out to the claimant or the claimants' physician, and it requires that the claimants' physician treating physician complete the form, and it sometimes depends they go out on an hour on a monthly basis sometimes on a quarterly or semi-annually is, but there's some frequency to it usually it's how they update their medical status for you okay and who do you usually recommend completes this attending physician statement on behalf of a claimant well obviously the best person who completed the doctor the physician themselves, but physicians often get busy they have they don't have a lot of time on their hands, so sometimes they'll delegate it out to like their medical assistant or their nurse practitioner that's in the office and really in my view the best person to do it is going to be the doctor, and hopefully they don't do that they don't delegate it out because then the doctors doesn't have that direct contact with your disability claim that you really need right I think if that ever happens where it's not the doctor that that could be a catastrophic error in the claim because there's no way that a nurse assistant or a secretary or whatever may be in the office should be filling out that attending vicious table you know the doctor has to sign it in order for it to be qualified, but I've been noticing there's a lot more detail coming down and what used to be maybe a one-page attending physician statement is now turning into a two three or four page attending physician statement that I'm seeing from a lot of the disability carriers and I think there's a lot of traps here for claimants because the doctors are just filling these out in a matter of minutes you know they don't want to be bothered by them mostly I don't want to fill them out but when do they're trying to fly through them, and I'm seeing the disability insurance companies know this, and they're making the forms longer and more generic, and it's resulting in a lot of denials why so when you're looking at these attending physician statements do you think that these forms are being designed in such a way to create more denials yeah well if you ask me almost everything the disability insurers do they do with some sort of intention or purpose and usually that's because you're very neutral right exactly that's because I don't have any bias whatsoever right but yeah they're basically geared and formed created in a...
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