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What documentation does the long-term disability carrier look at when they decide if they are going to pay my long-term disability benefits?

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What documentation does the long-term disability carrier look at when they decide if they are going to pay my long-term disability benefits?

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Your medical records, your job description and other material they get from your employer. They will look at the statements that you make on your Activities of Daily Living forms and may even conduct surveillance of you. If they conduct surveillance on you, they will send the surveillance to your doctors to review and ask your doctors to comment on the surveillance. You need to be aware of this!

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