A cognitive impairment disability claim can be tricky. This is especially true if it’s a Prudential long term disability claim. Because symptoms are not easy to prove, Prudential might deny disability benefits.
Cognitive impairment disability can vary from person to person. Some people have short-term memory loss, difficulty concentrating, and problems focusing. Others also cannot think as clearly or quickly as before. Many medical conditions can cause a cognitive decline. For example, stroke, multiple sclerosis (MS), traumatic brain injury, and hepatitis C are known to cause a decline in mental function.
A person suffering from cognitive problems may not be able to work in any occupation. Even everyday tasks can be hard to do. As a result, they are entitled to long-term disability benefits. But, many claims for disability benefits are denied.
Prudential might claim there is no objective evidence to prove a cognitive decline or impairments. Prudential will say symptoms are subjective. This is to say that complaints about memory loss or other symptoms are based on the person’s self-report. This tactic is used to deny valid long-term disability claims.
Prudential might also claim cognitive impairments are not due to a physical medical condition. Instead, Prudential may say a mental health illness, such as depression, anxiety disorder, or conversion disorder is causing the disability. This is done to limit disability payments to 24 months. Many long-term disability insurance policies pay a maximum of 24 months when disability is due to a mental health illness. This is called a mental health limitation.
Our law firm has experience dealing with Prudential long term disability claims for cognitive impairments. One approach we use to win long term disability cases is to send our client for medical tests to prove he or she has cognitive problems. A neuropsychological evaluation is a good way to show mental function is below average or poor. Disability insurance companies can also use neuropsychological evaluations to deny claims.
If you have a disability claim with Prudential, we can help. Our law firm only helps people get long-term disability benefits. Call to speak with a disability lawyer now.