A California resident who has no health insurance may not have medical records to submit when applying for Social Security Disability benefits. In such a scenario, an applicant would need to attend a consultative examination. These exams are designed to measure the physical or mental impairment a person may face. However, the doctor that performs the exam may not have the experience needed to treat a person’s specific ailment.

In fact, the purpose of the exam is not to provide treatment to the patient. It is simply a tool used to help gather information to make a decision about disability benefits. Those who want to obtain recent information regarding their physical or mental condition should look for a free clinic in their area. It may also be possible to visit an emergency room to have testing done or to obtain other types of treatment records.

For the purposes of an SSD application, only medical records obtained within 90 days will be considered. In some cases, an individual may still need to attend a consultative examination even if he or she has recent records. However, having this information may make it easier to get a claim approved. This is because an applicant now has a record of the ailment being treated by an objective physician.

Individuals who have an inability to work may wish to apply for SSD benefits to help make ends meet. This may be done with or without the assistance of a legal representative. However, the likelihood of obtaining benefits is generally higher when an individual has legal representation. An attorney may be able to help a person gather medical records and other evidence that may improve the chances of having an application approved in a timely manner.