The application document usually contains three forms to be completed – one for the employee, one for the employer, and one for the physician. Your personal statement should be as detailed as possible and provide information regarding any symptoms, limitations, or restrictions that may prevent you from working in your occupation. These limitations and restrictions can be mental, physical, or both.
The purpose of the employer’s statement is to provide documentation regarding your duties and roles within their organization and to state whether they could alter your role to accommodate your disability.
Finally, the purpose of the medical practitioner statement is to provide the insurance company with details regarding your diagnosis, symptoms, treatment, limitations, restrictions and prognosis. This statement generally comes from a doctor and should be as detailed as possible as insurance companies often scrutinize medical evidence.