Which document is crucial for substantiating Extended Health claims?

The document crucial for substantiating Extended Health claims is the receipts. Receipts serve as official proof of purchase for the medical services, treatments, or products that have been obtained. They provide detailed information about the nature of the services rendered or items purchased, along with the associated costs, which is necessary for the claims process. When submitting a claim for Extended Health benefits, insurers require receipts to verify that the expenses being claimed are legitimate and covered under the policy terms.

While claim forms are also important as they initiate the claims process, they typically require accompanying documentation, such as receipts, to support the claim being made. Medical reports can provide additional context regarding a patient's condition or treatment but are not always required for all types of claims. Employment verification may be relevant in some cases, particularly in confirming eligibility for group benefits, but it does not substantiate individual claims. Thus, receipts are the essential document that directly backs up the expenses being claimed.