You are at a restaurant, enjoying a delicious meal. In fact, it is so good that you turn to your dinner companion and ask, "What's in this main dish?"

The ingredients give the course its flavor and distinctness. Any cook knows that omitting certain ingredients can be disastrous, the difference between a souffl? and a flop.

As in dining, so in claims. Ingredients are the keys to quality. What should a claim file contain? Are there certain bedrock components that clients should find in every claim file?

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