Attending physician statement

An attending physician statement (APS) is a report by a physician, hospital, or medical facility that has treated, or is currently treating, a person seeking insurance. In traditional underwriting, an APS is one of the most frequently ordered additional sources of medical background information. The APS is one of the more expensive underwriting requirements, as well as the most time consuming. It is usually completed only when a doctor has free time, as their primary focus is caring for patients. The underwriting cycle time is often severely hampered by the APS, as it could take weeks or even months to obtain. Once obtained, it can be laborious to review and summarize, as APS reports can be large documents containing an in-depth medical history information that may or may not be relevant.

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