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Filing disability claims requires collaboration

Gina Goodreau, senior manager of ADA Insurance Plans and manager of claims review and underwriting for Great-West Life Insurance, offers advice on what dentists should remember when filing disability claims.

"Disability clams are a collaborative effort, so be prepared to participate in the process. The insured is always the best source of information and in the best position to help gather documentation in support of a disability claim. If you need help completing the paperwork or run up against a road block gathering information, don't hesitate to ask your insurer for guidance and assistance—that's what they're there for."

Great-West reviews the following documentation when processing disability claims:

  • medical evidence;
  • historical medical records;
  • Code on Dental Procedure and Nomenclature (CDT) codes;
  • income statements;
  • tax and business records;
  • Ongoing medical documentation—virtually all disability insurers require a claimant to be under the regular care of a physician in order to qualify for and continue to receive benefits.