Private LTD / STD Attending Physician Statement
Attending Physician Statement (APS) for private long-term disability or short-term disability carriers (Unum, Cigna, Hartford, Aetna, MetLife). The most-litigated form in disability insurance.
What this form is
Private LTD/STD carriers require an Attending Physician Statement to support disability claims under group LTD/STD policies. The APS describes the patient's diagnosis, restrictions and limitations, treatment plan, and prognosis. APS forms are evidentiary documents in any subsequent claim dispute — material misrepresentation exposes the carrier's clinician to civil suit and (for employer-funded ERISA plans) federal anti-fraud action under 18 U.S.C. §1347.
Attending Physician Statements to private LTD/STD carriers are evidentiary documents in any subsequent claim dispute. Material misrepresentation on these forms exposes the carrier's clinician to civil suit, potential state-medical-board complaint, and (in employer-funded ERISA plans) federal anti-fraud action under 18 U.S.C. § 1347.
Common pitfalls
- Vague restrictions ('limited mobility') vs concrete restrictions ('cannot lift >10 lbs, cannot sit >30 min')
- Failure to address the specific occupational duties
- Conflating subjective and objective findings
- Federal anti-fraud exposure (18 U.S.C. §1347)
What ApprovalHelp drafts
We draft the APS narrative covering the specific occupational restrictions and limitations supported by the chart, the treatment plan, and the prognosis — phrased in the concrete, function-specific language that carrier reviewers and ERISA federal-court judges expect.
Frequently asked questions
What is the Private LTD / STD Attending Physician Statement?
Private LTD/STD carriers require an Attending Physician Statement to support disability claims under group LTD/STD policies. The APS describes the patient's diagnosis, restrictions and limitations, treatment plan, and prognosis. APS forms are evidentiary documents in any subsequent claim dispute — material misrepresentation exposes the carrier's clinician to civil suit and (for employer-funded ERISA plans) federal anti-fraud action under 18 U.S.C. §1347.
Why is it legally sensitive?
Attending Physician Statements to private LTD/STD carriers are evidentiary documents in any subsequent claim dispute. Material misrepresentation on these forms exposes the carrier's clinician to civil suit, potential state-medical-board complaint, and (in employer-funded ERISA plans) federal anti-fraud action under 18 U.S.C. § 1347.
What are the common pitfalls?
Vague restrictions ('limited mobility') vs concrete restrictions ('cannot lift >10 lbs, cannot sit >30 min'). Failure to address the specific occupational duties. Conflating subjective and objective findings. Federal anti-fraud exposure (18 U.S.C. §1347)
What does DenialHelp draft?
We draft the APS narrative covering the specific occupational restrictions and limitations supported by the chart, the treatment plan, and the prognosis — phrased in the concrete, function-specific language that carrier reviewers and ERISA federal-court judges expect.
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Get a Private LTD / STD Attending Physician Statement drafted in 5 minutes
ApprovalHelp drafts the Private LTD / STD Attending Physician Statement for clinicians from chart facts. The clinician reviews, edits, and signs. Per-form attestation language names the relevant statute(s) — protecting the clinician against misrepresentation exposure.
Get started →Contact: hello@denialhelp.com