Long-Term Disability Benefits for Suffering a Stroke

Unfortunately, strokes are relatively common in the United States. In fact, in 2018, one in every six deaths from cardiovascular disease was the result of a stroke.

It is said that someone in the U.S. has a stroke every 40 seconds, and every four minutes, someone loses their life due to stroke.

A stroke can occur when your brain’s blood supply is interrupted or decreased, which prevents the brain tissue from receiving vital oxygen and nutrients. It only takes minutes for the brain cells to start dying.

Here’s what you need to know about long-term disability benefits for suffering a stroke:

Common Reasons Why Long-Term Disability Benefits Are Denied to Stroke Victims

Unfortunately, not everyone who has a stroke will be able to obtain long-term disability benefits. Some of the most common reasons why insurance carriers deny long-term disability claims for strokes are:

Coverage is excluded by the pre-existing condition clause of your disability policy.
Benefits are restricted under the subjective limitation clause. Pain may be your most disabling symptom, but insurance providers regularly dispute pain and the impact of other subjective symptoms.
You are simply experiencing emotional difficulties. At best, your benefits are restricted under the mental nervous policy provisions.
You cannot prove that you have cognitive or memory issues because neurocognitive testing to prove these ailments does not exist.
Objective testing to support the seriousness of your physical issues does not exist.
There are discrepancies between your medical records, the information you included on the Activity of Daily Living forms, and the surveillance the provider has of you.
Your physician is simply relying on your subjective complaints when assigning restrictions and limitations.

Common Reasons Why Long-Term Disability Benefits Are Denied to Stroke Victims

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