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What doctors write
Prognosis
Doctor's view of likely future course — recovery, stability, or deterioration.
Ladder step 2: What medicine records — What has a doctor documented?
This is
- Supports waiting-period and benefit-duration arguments
- Needed when insurer expects return to work
This is not
- A guarantee of outcome
- Optional fluff — it shapes benefit period disputes
ClaimBuddy resources
Cross-links to Clinical Atlas, glossary, traps, and policy terms — hover for a quick summary.
Evidence
Specialist letter, treating practitioner opinion
Often mixed with
"Guarded prognosis with episodic relapse" affects return-to-work expectations.