Applying for Social Security Disability Insurance (SSDI) can be an overwhelming and time-consuming process. Time seems to stand still while waiting for approval of your claim, with it taking even longer when a denial of benefit must be appealed.
As you wait for benefits that could ease financial strain, you still need medical care to treat the medical condition responsible for your disability. The Social Security Administration (SSA) needs medical records without gaps in treatment.
It’s not uncommon for individuals with disabilities to struggle to find a place where they can receive medical care without a steady income or health insurance. The Clauson Law Firm has years of experience helping thousands of individuals nationwide in their fight to obtain SSDI benefits. They know that with the right information about available resources, an individual with a disability can continue receiving the medical care they need while pursuing disability benefits.
The Social Security Administration relies on a medical diagnosis and treatment as documented by medical records when evaluating SSDI claims. The records should contain the following to prove that you are unable to work because of a severe medical condition:
· A clear and precise diagnosis from a qualified medical practitioner.
· Results of laboratory tests and diagnostic imaging.
· Documentation of symptoms, limitations, and their response to treatment.
· Notes from your doctors detailing the types of treatment over time and their affect the disabling medical condition.
Records showing a gap in medical care and treatment could result in a claim denial. Making a diligent effort to find places where to get medical care benefits you by ensuring proper treatment for your condition and strengthens your disability benefits claim.
Finding sources of care and treatment extends beyond the application process. Being approved for monthly payments from SSDI does not include immediate access to health insurance coverage.
Approval of your SSDI application includes Medicare coverage, but there is a 24-month waiting period before you can enroll. The waiting period does not apply to individuals diagnosed with amyotrophic lateral sclerosis (ALS) or end-stage renal disease. If you have either of these conditions, speak with a Clauson Law disability representative for more information.
If you are subject to the waiting period, you will automatically be enrolled in Medicare when it ends. Part A coverage includes inpatient care in a hospital, a skilled nursing facility, or a hospice. No premium is charged to SSDI recipients for Medicare Part A.
Enrollment also includes Part B coverage, which covers outpatient care, including:
· Office visits with doctors and other healthcare providers.
· Diagnostic testing, including lab tests, imaging, and mental health screening.
· Durable medical equipment, such as wheelchairs, canes, and walkers.
There is a premium for Medicare Part B, so you have the option to decline coverage.
Medicaid may be available as a source of health coverage while waiting for approval of your claim for disability benefits. You must apply through your state and meet financial requirements.
If approved for Medicaid coverage, it provides payment for the medical care you need. You should apply for Medicaid even if you applied and had your application denied in the past. Your financial situation and Medicaid guidelines may have changed from when you last applied for coverage.
Nonprofit organizations sometimes provide free clinics staffed by medical professionals who volunteer their services. The services available at clinics may include:
· Routine medical examinations.
· Monitoring of chronic conditions.
· Referrals to providers, including specialists, with fee structures based on a patient’s income.
· Prescription assistance programs.
Hospitals may offer medical care at reduced or no cost to patients with no insurance and limited incomes.
Medical schools and hospitals with teaching programs can be a source of free or low-cost medical care. They may have clinics that offer a variety of medical services, staffed by students under the direct supervision of faculty members. Clinics at medical schools or teaching hospitals may offer care by specialists.
If your doctor prescribes a medication you cannot afford, contact the pharmaceutical company that produces it and inquire about its patient assistance program. Patient assistance programs provide discounted or free prescription drugs based on a person’s income. Ask the staff at your doctor’s office for information about programs and assistance with the application process.
If you’re frustrated by the SSDI application process and where to get medical care, get help from the disability professionals at Clauson Law. Having skilled, knowledgeable, and experienced representation from the initial disability application through the appeals process relieves you of an overwhelming burden. Depend on Clauson Law to be there for you at every step of the journey through the disability process. Contact us today for a free consultation.
