How Failing To Follow Or Discontinuing Treatment Can Affect Your Disability Claim
The bar to get approved for Social Security Disability Insurance (SSDI) benefits was specifically designed to be quite high, reflecting the program’s intent to limit benefits to those wholly unable to work due to disability. Temporary disability benefits are not offered, despite calls for this type of reform, which puts added pressure on the applicant to show severe and permanent impairment. Consequently, proving the existence of a qualifying disability that satisfies the requirements of the law and regulations governing SSDI claims is complicated and rarely easy to do. Exactly what the examiners associated with the Social Security Administration (SSA) want to see in order to approve a claim depends upon the source of the disability, but regardless of the cause, significant amounts of medical evidence will be needed. Medical records supporting the existence of a disability are the backbone of all SSDI claims, and submitting records that show the right kinds of information is essential to getting benefits. One issue that can create difficulties for disability applicants is the failure to follow prescribed treatment or discontinuing treatment with a long-standing medical provider. These situations can raise red flags for SSA examiners, and cause them to question the applicant’s credibility. A discussion of how the SSA views non-compliance with doctor’s orders, and the failure to seek medical treatment generally, will follow below.
What Medical Treatment Indicates Generally
Because a person must be totally disabled before SSDI benefits are a possibility, the implication is that a successful applicant must experience so much pain and suffering that he/she spends a substantial percentage of time with medical providers seeking relief. If the SSA believes there is a discrepancy between the level of impairment claimed and the amount and type of medical treatment sought, examiners may assume the applicant is exaggerating symptoms to receive benefits. Complying with a doctor’s orders is one factor the SSA uses to assess whether an applicant’s complaints should be taken as valid. Further, receiving various kinds of treatment from multiple doctors over a long period of time is another way to show the SSA that a disability is severe and long-lasting, serving to bolster the strength of a disability claim. However, there are circumstances that can excuse failures to seek or comply with recommended medical treatment.
Effect of Ignoring Orders or Not Seeking Help
Typically, if an applicant files a claim that indicates he/she received little or no medical treatment for a disabling condition, a representative from the SSA will contact the person to discover if a justifiable reason exists for such inaction. Extra scrutiny will especially be applied if the prescribed treatment is supposed to allow the applicant to return to work, because successful applicants usually need to show that, despite following a doctor’s orders, the condition has not improved to the point that returning to work is possible. Nevertheless, applicants can be excused from complying with prescribed medical treatment or seeking additional treatment, if one of the following applies, though this list is not exhaustive:
- the applicant cannot afford the treatment, does not have insurance coverage, and the treatment is not available through free community resources in his/her area;
- the side effects of the recommended medication are more severe than the symptoms of the disabling condition;
- doctors have informed the applicant that no available or known treatments would be effective, including if there are conflicting opinions between two treating physicians about the appropriateness of a treatment; or
- medical treatment would violate the applicant’s religious beliefs. To assert this claim, the applicant would need to list a church affiliation that holds healing happens through prayer or faith alone.
Contact a Disability Insurance Attorney
Getting approved for SSDI benefits is an involved process with multiple steps, which easily overwhelms most applicants. Give yourself the best possible chance of getting the benefits you deserve by working with an experienced disability insurance attorney who knows the most effective way to present your claim. Farrell Disability Law has represented clients with disability claims for over twenty years, and take the time to learn who their clients are so they can better argue on their behalf. Contact the Jacksonville law firm today for a free consultation.
Resource:
aei.org/wp-content/uploads/2017/12/Disability-Insurance.pdf
