Take Two Aspirin and Call me in the Morning

Take Two Aspirin and Call me in the Morning

How often do you disregard your doctor’s advice? Go for this test, get this prescription filled, you should have that looked at, etc. I have to admit that there are several times I have ignored my physician’s advice, rightly or wrongly. So far the dice have rolled in my favor and I haven’t suffered any consequences.

If your physician recommends tests or treatments and you don’t “follow the doctor’s orders, you may escape future medical problems, but you may pay the price if you apply for life insurance. We have seen it often in our office where an insurance company declines coverage for an applicant because a prescribed test/treatment wasn’t followed up on (it will show in the physician’s records). Just today a client was declined because his physician suggested he should get an EKG, but the client never received the treatment. The insurance company refused to offer coverage until the test was complete.

The moral of the story – if your physician has suggested treatment for you, follow through with it before you apply for life insurance.