Regardless of whether an ABR claim (for Chronic, Terminal, or Critical Illness) is submitted from inside or outside the United States, the claim must be certified by a U.S. physician who meets the definition of physician under section 1861(r)(1) of the Social Security Act.
A claim certified by a U.S.-licensed physician practicing abroad cannot be processed unless the policy owner submits a "Licensed Health Care Practitioner" form that is signed by both the policy owner and the U.S.-licensed physician who has been providing treatment to the policy owner residing abroad and is certifying the qualifying condition under the ABR.
The form will be sent to the policy owner by the Claims Department, if applicable.