APS medical chase life insurance Ontario

Answers are general operational information only — not legal, tax, regulatory, clinical, privacy, immigration, or professional advice. Requirements vary by matter, client, and regulator.

Frequently asked questions

What is an APS?

Attending Physician's Statement — medical information the insurer requests from a treating physician, beyond (or instead of relying only on) a paramedical exam. Some carriers use other labels for the same request.

Who chases the doctor — client or broker?

Often both. Insurers and underwriting vendors typically send and re-follow the request first; advisors and clients are asked to intervene when the clinic stalls. Broker files should show outreach; the client may still need to sign releases or visit the clinic.

How long do APS requests take?

Commonly weeks. Industry practice notes often cite a multi-week minimum, with longer waits when specialists or busy clinics are involved. Start tracking the day the requirement is issued.

Should APS sit in email?

Prefer the client record: date requested, follow-ups, date received, and insurer case ID — so the file is producible later.

Does Hivi-X fax doctors?

No. Hivi-X tracks APS as a checklist line and stores received PDFs after your team uploads them.

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