If your doctor says any of these 5 phrases, they are hurting your chance at a disability claim...
The list below was taken directly from the claim manual of a major disability insurance carrier. They referred to these phrases as "generally insufficient statements."
Here they are:
"Claimant is totally disabled"
"Claimant is temporarily totally disabled"
"Claimant is unable to do any activity"
"Claimant cannot work"
"Claimant off work until MM/DD/YYYY"
If the form your doctor fills out doesn't get any stronger than that, you won't win your claim.