The Value of Medical History Documents in a Disability Claim

Having a clear and complete diagnosis and medical history are crucial aspects of any successful disability claim.  Disability insurance companies are masters at seizing on any potential discrepancies in these records as a basis to dispute, delay or deny a claim.  One of the best ways to help yourself, your doctors, and your disability claim is to prepare a medical history document that tracks your health information over time.  While this document is not intended to replace your medical records or an interview by a physician, it can be a crucial reference tool that provides much needed information in a condensed and organized manner when deciding on best courses of treatment – or when discussing your claim with a claims examiner or field investigator.  The best advice would be to calmly and thoroughly prepare a medical history document for every member of your family before a critical need arises.  As almost everyone has done, you’ve completed a general health history form at your doctor’s office before seeing the doctor. Continue reading