Why submitting a Physician’s Report (VRS-6B) and copies of your medical records may not be enough to prove your Virginia Retirement System (VRS) disability retirement benefits claim: What you (and your doctor) don’t know can hurt you

Are you a Virginia Retirement System (VRS) member considering applying for VRS disability retirement benefits?
Has your claim already been denied? If so, you will find the information in this Special Report of critical importance.

Read this Special Report, to discover the following:

• Why submission of a Physician’s Report (VRS-6B) form and copies of your doctors’ medical records may not be
  enough to prove your claim.
  
• How the Physician’s Report form falls short and usually does not draw out the information necessary to prove your
  claim.
  
• What you should give your doctors to review before you ask for any opinions.
  
• How your doctors can support their opinions and strengthen your case.
  
• What important information is not requested by the Physician’s Report form.
  
• Which question is one of the most important on the Physician’s Report form.
  
• Why your doctors may be reluctant to express an opinion.
  
• What your doctors need to know about the standard of proof and their role in the application and appeals process.
  
• Why your medical records likely don’t contain key information about your functional limitations.