“Appropriate care” in a long-term disability claim refers to the medical treatment, therapy, and care that is considered reasonable and necessary to treat a disabling condition or injury. The definition of appropriate care can vary depending on the specific circumstances of the disability, the severity of the condition, and the individual’s medical history.
In the context of disability insurance, appropriate care is often a requirement for receiving disability benefits. This means that a claimant must be receiving medical treatment that is considered appropriate for their condition in order to continue to receive disability benefits.
The amount of “appropriate care” required may be defined in the disability insurance policy.
For example, if a policyholder is receiving disability benefits for a back injury, they may be required to undergo physical therapy and follow a treatment plan prescribed by their physician in order to continue to receive benefits. Failure to receive appropriate care may result in a denial or termination of disability benefits.
Overall, appropriate care is an important aspect of managing a disability, as it can help to improve the individual’s health outcomes, prevent further complications, and ensure continued eligibility for disability benefits.