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Tuesday, January 18th, 2011

If you have a disability but have not gone to a doctor’s office because you are fearful of doctors or if you are out and out afraid of what a doctor may tell you about your disability, you are not alone. However, if you ever want to successfully file a disability insurance claim, failing to go to a doctor and be under a doctor’s proper care will be harmful in the long run, both from a medical and a financial viewpoint.

In this era of on-line medical research and self-proclaimed diagnosis, it may seem easy enough for a reasonably intelligent person to gather enough information from reliable sources and put two and two together to arrive at a diagnosis. But online research is no match for medical school and the professional practice of medicine. As for insurance companies, nothing but a diagnosis, treatment and care from a licensed medical doctor is acceptable for a disability insurance claim. There is simply no way to pursue a claim without doctor visits and the accompanying proper medical treatment.

What if you have been ill for some time but have not gone to a doctor, and now you recognize that you must file a claim? Start by going to a doctor. Get a friend or loved one to go with you, make the appointment and get yourself there. Bring notes if it will help you explain your illness. Don’t be vague and general. Include in your conversation dates when you started having specific symptoms and be able to describe those symptoms. Your medical records will need to clearly show the dates that you became symptomatic, the nature of the symptoms, etc. And when you are told to go for diagnostic tests by the doctor, do not delay. Get radiological studies, CT scans, MRIs, blood work, etc., done as soon as possible.

If you are so severely disabled enough that you are not able to work, avoiding doctor visits and proper treatment could make your illness worse, even fatal. If the only reason that you will go to the doctor is to substantiate your claim for disability insurance benefits to protect your family financially, that’s reason enough. Don’t delay treatment. And if you are concerned that your lack of treatment may have placed your claim in jeopardy, don’t delay in calling our office to learn how we can help.

Justin C Frankel

Written By:

Justin C. Frankel - Disability Insurance Attorney

Justin Frankel is a founding partner of the disability insurance law firm Frankel & Newfield and is a highly skilled litigator and advocate. He has published numerous articles on the challenges facing clients with private or individual disability insurance policies and those who own group or ERISA disability insurance policies.

Learn more about Justin | See Justin’s Publications



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Sorry, we do not handle SSDI/Social Security claims.

Frankel & Newfield does not currently handle any Social Security Disability Insurance claims.


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This is about a Social Security Disability claim.

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