Posted 6/25/2016 4:34 AM (GMT -6)
Char most Drs policies allow you one free copy of your record from his files and any subsequent requests could be at cost to you to include staffing time and materials such as paper and or disk and many medical offices now transfer over to disk or flash drive leaving you responsible for putting into hard copy.
My PM office now uses online records so I get a email about two days after a visit alerting me that visit summary is now available for viewing. I love it because I can actually open my records at any time and see labs,summaries,notes,etc including the ability in the site to make a appointment and request a med. I can email and message the office staff,billing,appointment clerk,nurse,PA,or the Dr himself and they all have a schedule included as to when they read their mail and when you can expect a reply. It's a awesome tool. Also included in the record is all tests,scans,mri and surgery reports including video of the procedures. The only thing I cannot access is any forwarded consulting Dr records or past records requested from a previous physician. I have to go to that specific Dr to request his records.
The only personal medical records that are not given without specific Dr approval when you request your records are some mental health records. Those can be withheld from the patient by Dr discretion if they are deemed detrimental to your mental health status. Autopsy reports. Everything else actually belongs to you,it's your personal medical information and the Dr does not own it. Hospitals included here.
Insurance policies and disability determination as well as WC pay out according to the disability percentage. A example would be if all your disabling issues are caused by a MVA and the motor vehicle insurance policy has say a $20,000 death and disability rider included. You would be paid the amount of that disability based on that number. The $20,000 calculated by the percentage. In case of death of course it would be the entire amount. Every states different as far as liabilities and fault unless its a NO fault state or policy or you have a uninsured motorists clause.
WC uses the rating to calculate the amount of a total payout if they make you a offer. I blew my knee out at work and the percentage for loss of one limb equaled at that time in that state $12,000 and thats what WC offered in a buyout,meaning if I accepted it would cease any further claims for future damages.