In this episode of the Cover Your Assets podcast, host Billy Gwaltney discusses the critical importance of understanding medical records when applying for specialty disability coverage. He shares a real-life example of a physician's experience with the insurance underwriting process, emphasizing the need for accurate disclosure of medical history and the potential implications of miscommunication. The conversation highlights the role of insurance brokers, the nuances of HIPAA regulations, and the importance of being forthcoming with medical information to ensure a smooth application process.
Takeaways:
- Knowing what your medical records say is crucial. Different carriers underwrite differently.
- Beware what you tell your doctor as details about medical history matter.
- Make sure you know what's going on in your records.
Billy Gwaltney
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