Background: Currently a PGY-5 with a fellowship to be complete June 2018. Applied for disability insurance late 2015 through Guardian. Got a preliminary quote pending physical exam and blood work, which I never got around to completing (Quote was something like $110-120/month). At the time I had no current medical conditions but they asked if I had any issues within the past 10 years with my back. I answered truthfully, that I had been seen in the past for back pain likely related to sports. I had a negative MRI about 9 years ago and the last I saw anybody for back pain was 9.5 years ago. Not surprisingly, that information ended up on my MIB.
Question #1: In about 4 months I can truthfully say no to that question (I have not been seen for back pain in the past 10 years) but that information will still be on my MIB. Is there anything I can or should do about that?
Question #2: I have recently been having hip and knee pain. Was seen for both, MRI of knee was stone cold normal. My suspicion is it may be related to lumbar radiculopathy. I have not even mentioned the words "back pain" to a clinician for fear of how that may impact my ability get disability insurance. Is there a safe way to approach this issue?
I will be doing Interventional Radiology so my back is certainly something I want DI to cover.
Question #1: In about 4 months I can truthfully say no to that question (I have not been seen for back pain in the past 10 years) but that information will still be on my MIB. Is there anything I can or should do about that?
Question #2: I have recently been having hip and knee pain. Was seen for both, MRI of knee was stone cold normal. My suspicion is it may be related to lumbar radiculopathy. I have not even mentioned the words "back pain" to a clinician for fear of how that may impact my ability get disability insurance. Is there a safe way to approach this issue?
I will be doing Interventional Radiology so my back is certainly something I want DI to cover.
Comment