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Obtaining medical records when a person doesn’t have insurance

| Sep 2, 2020 | Social Security Disability

If a person is applying for Social Security disability benefits, it is generally a good idea to include recent medical records in their application. However, obtaining these records may be difficult if a person lacks adequate medical insurance. Here are some ways to acquire the information that an examiner will need to make a decision in a timely manner.

A consultative examination is performed by a medical professional who is paid by the government. In many cases, the doctor who examines a person won’t have much knowledge about the physical or mental condition that has led to their disability. However, it is important to remember that this exam is not designed to diagnose a condition or provide treatment. Instead, it is merely a tool that can be used to help an examiner learn more about any potential physical or mental limitations that a person faces.

Local clinics may offer physical or mental health treatment at a significantly reduced cost for those who lack health insurance. Generally speaking, a person can obtain treatment at a local ER even if they aren’t covered by an employer or government health plan. Visiting a clinic or hospital may provide a person with test results, clinical notes or other objective evidence of an existing physical or mental condition.

It is important to note that medical records must be less than 90 days old to be considered recent. It is also worth noting that it may be necessary to attend a consultative exam even if a person did submit medical records with their application.

If an individual is seeking SSD benefits, it may be a good idea to hire an attorney to help with the case. A legal professional may help a person organize medical records, file an application or assist with the appeal process. In some cases, this may mean preparing to speak in front of an administrative law judge.