Question

The Attending Physician's Statement (APS) is completed by:

A: A physician providing a required medical exam at the time of application
B: An applicant's physician to provide information about the applicant's medical history
C: The agent after the medical questions are answered by the applicant
D: The Medical Information Bureau

Answer 1

The Attending Physician's Statement is completed by an applicant's physician to provide detailed information about the applicant’s medical history, not by the physician performing the application medical exam, the agent, or the Medical Information Bureau.

Step-by-step explanation:

The Attending Physician's Statement (APS) is typically completed by B: An applicant's physician to provide information about the applicant's medical history. This statement is a key document that insurance companies use to obtain an applicant’s comprehensive medical history to assess their risk and determine eligibility for coverage. It includes details about the patient’s current and past health conditions, treatments, and any other relevant medical information that may be required by the insurer.

The APS is not conducted by the physician providing a medical exam at the time of application (A), by the agent after medical questions are answered by the applicant (C), or by the Medical Information Bureau (D). Its completion is usually prompted by the insurer's underwriting process and involves the patient's own physician due to their familiarity with the patient’s medical history, making the content of the APS both detailed and accurate.