The Standard's waiver of premium packet lets a totally disabled member keep group life insurance in force without paying premiums. Its Physical Capacities Attending Physician's Statement asks the physician to document functional impairment in detail: diagnoses with ICD codes, how many hours a day the patient can sit, stand, walk and drive, lifting and handling limits, vision and hearing, cardiac class, competency, prognosis and anticipated return to work.
The patient completes Part A of the statement and the physician completes Part B, signing with specialty and tax ID. The employee completes the Employee's Initial Statement and authorizations, and the employer completes the Employer's Statement.
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Waiver of Premium Claim Packet – Attending Physician's Statement and Waiver of Premium Physical Capacities Attending Physician's Statement
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Based on objective findings, the physician marks how many hours in a workday the patient can sit, stand, walk and drive, and whether each limit is permanent or temporary. It also grades lifting, carrying and pushing by weight, hand use, bending, reaching, keyboarding and environmental restrictions.
Yes. Item 14 asks whether the patient is competent to manage insurance benefits and, if not, whether the patient is competent to appoint someone to help manage them. Item 13 asks whether assessment is complicated by emotional disorders, inconsistent findings or medication dependence.