NMG's disability services are customized to the requirements of both short-term and long-term disability insurance coverages.
Disability reviews, procedures, and guidelines are clearly differentiated and distinct from reviews associated with other insurance coverages and traditional independent medical examinations. Review types include short-term, long-term, and continuing disability reviews.
NMG’s disability medical panel has specially recruited and trained physicians, and single and multi-specialty physicians. The physicians are current on disability and impairment guidelines including the American Medical Association Guide to the Evaluation of Permanent Impairment, Fifth Edition. NMG holds the necessary state-level certification to access impairment ratings based on the AMA guidelines.
For disability claims, reviewers evaluate the level of functioning and physical restrictions surrounding a specific claimant. Insurers and self-insureds face the dilemma associated with the potential bias of the treating physician(s) who can be invested in the patient’s history, convalescence and recovery. The implied bond with the treating physician creates uncertainty about the ability to render an unbiased opinion. Studies have shown that patient bonds can interfere with diagnostics, treatments, and recommendations. NMG’s disability examinations eliminate such bias.
NMG also offers Long-Term Disability (LTD) assessments. They are multi-faceted endeavors sometimes requiring evaluation from several medical specialties and on-going assessment of the disability. The medical conditions, functional capacities, and treatment needs of the claimant evolve.
Over time independent Continuing Disability Reviews (CDRs) may be necessary to monitor progress and exercise sound case management. LTD assessments present insurers with three challenges: a) removal of inappropriate biases, b) interpretation of the totality of the disability, and c) clarity of the report. NMG’s physician training and process address these concerns directly, yielding clear concise reports.