Attending Physician Statement (APS)

Attending Physician Statement (APS) The APS is a report written by the insured’s doctor that documents his or her past and current health history. Insurance companies use this report to review applications for insurance and/or to evaluate benefit eligibility, in the event of a claim. An Attending Physician Statement form (APS) is one of the main ways that an insurance company obtains information about your medical status. An APS may be requested by insurance companies when you apply for short term disability (STD) benefits, long term disability (LTD) benefits, or a life insurance waiver of premium. APS typically includes the following information: -Your medical history, including any past or current illnesses, injuries, or surgeries. -Your current medications and treatments. -Your doctor's assessment of your overall health and fitness. -Any limitations that you may have as a result of your health condition. An Attending Physician Statement should be completed by a practicing physician with a doctoral degree, if possible. An insurance company may discline an APS completed by a non-physician treating professional, such as a nurse practitioner, licensed clinical social worker, or licensed physical therapist. You may need to obtain an APS from multiple physicians as part of your disability benefits claim. Assuming the form is completed supportively, the strongest APS forms come from doctors who specialize in the area of your disability and have the longest treatment relationship with you. you are asked to provide an APS, be sure to ask your doctor for a copy of the form so that you can review it before it is submitted. This will give you the opportunity to make sure that all of the information is accurate and complete. #benewinsurance #insurtech #inclusiveinsurance #insurance #reinsurance #takaful