In the early days of my practice, one of my partners used to say, "unfortunately, if it is not in the medical record, it doesn’t exist." While this is not entirely true, the best evidence in a disability case is often found in the form of medical documentation, and the only way to get that evidence, is to go to the doctor. However, for most people who are unemployed and without income or health insurance, getting necessary medical documentation can seem like an impossible task.
It feels like a no-win argument, right? I mean, how can I possibly afford to go to the doctor to document every physical condition? I'm sick or injured so I can't work; when I lost my job, I lost my health insurance and without an income, I don't have the money to pay for expensive doctor appointments, but without the doctor appointment, I don't have the records and without the records, I can't prove I'm eligible for disability so I can't get health coverage or disability benefits! It seems insane, we know.
Every day we see clients making choices between medical care and groceries. When you don’t have enough money to pay the rent or put food on the table, there really is no choice: you forgo treatment. The problem is, this can become a huge obstacle to your claim for benefits. Claimants who tell the judge they are in constant pain but who do not seek treatment may not come off as credible. If you are injured or hurting, you need to be able to prove that with more than your word; it is vital that your testimony is supported by the medical record.
What’s the answer? You must begin building a medical record. Even if you haven’t been going to the doctor regularly up until now, it is absolutely vital that you begin doing so immediately. It will be hard if you don't have health insurance, but there is help out there and you will need it. See if you are eligible for Medicaid or Obama Care and speak to your doctor or hospital, because almost every county has a clinic or a hospital that will see patients at reduced cost if you truly aren't able to afford care. If you are a veteran, go to your local VA and definitely go to your local welfare office in your county and also in your town. You can also check with your church or place of worship if you have one, as they might have a fund to help in cases such as yours. There are resources out there, but you will have to work to find them.
You may not be employed, but you have a lot of work to do and for now, your job is to seek out and get services for your physical and mental disabilities. You must establish a relationship with a doctor, and attend follow up visits as well as any referrals which are made to see specialists. Whether you are applying for social security or private disability, they need to see records of your condition and care over time, not just once or twice.
There is no question about it, facing a disability without health insurance is a huge challenge. On top of the financial stress, there is the physical and emotional toll of managing a condition that is keeping you out of work. Despite this hardship, you must persevere. There is help out there, and if you can document your disabilities, you are much more likely to obtain social security and eventually the Medicare health coverage that you so desperately need.
At Rice Law Office, we are passionate about helping injured workers get the help they need and deserve. If you have any questions, please contact Rice Law Office, PLLC for a free phone consultation at 603-528-5299 or visit our website for helpful articles and information.