Most disability plans give the administrator the right to have you evaluated while your claim is pending. Unfortunately, many of the doctors hired by insurance companies tend to be skewed in favor of the companies and finding non-disability. To ensure a fair evaluation, bring another person with you to the exam and ask the doctor to permit you to videotape the examination. If you are unable to do that, take notes yourself during and after the examination so that you do not forget important details.
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