Regular care in a long term disability claim refers to the ongoing medical treatment and attention that an insured individual must receive in order to manage and treat their disabling condition. In most long term disability insurance policies, there is a requirement that the insured individual is under the regular care of a physician in order to be eligible for disability benefits.
Regular care typically means that the insured individual is seeing a physician on a regular basis and following the prescribed treatment plan. This may include taking medication, attending therapy or rehabilitation, and following any other instructions from the treating physician. The insurance company may require proof that the insured individual is receiving regular care, such as medical records or statements from the treating physician.
If an insured individual fails to meet the regular care requirement, their disability claim may be denied. It is important for insured individuals to carefully review the terms and conditions of their long term disability insurance policy and to understand the regular care requirements in order to ensure that they are eligible for disability benefits.