Disability insurance companies don’t always make it easy for policyholders who have dementia to get the disability benefits they deserve. Dementia isn’t a specific disease, it’s a brain condition that causes problems with thinking, memory and social functioning.
The Common Reasons Disability Carriers Deny Dementia Disability Claims
Many dementia claims are denied because the disability insurance company says:
(1) There is no objective basis of the dementia,
(2) There is no objective basis for the restrictions and limitations assigned by your physician, or
(3) There is no causal relationship between your dementia diagnosis and/or your restrictions and limitations, and your inability to do your own or any occupation.
Nancy Cavey, who has 35 years experience handling disability cases, has successfully represented many policyholders with dementia. She overcomes a claims denial by working closely with you and your physician.
She offers a free initial consultation and welcomes the opportunity to speak with you about your disability claim.
What Are The Types of Dementia?
The different types of dementia include:
What Are The Symptoms of Dementia?
Dementia symptoms can include cognitive changes and psychological changes that can impair and eliminate an ability to perform your own and any occupation.
The cognitive changes can include:
The psychological changes can include:
Because of the nature of the diseases and symptoms, many with dementia get treated by a neurologist. It is crucial that you undergo neuropsychological testing to objectively document any cognitive and behavioral problems.
How Do I Get The Disability Insurance Benefits I Deserve?
Dementia can make it difficult, if not impossible, to do things around your home and work. If you no longer can work or your doctor has told you to apply for disability, before you apply for benefits, you should:
Your policy can include a self-reported limitation. It limits how long you can get benefits that result from self-reported symptoms, including problems with memory, speech, planning, organizing and sequencing. You’ll want to know what’s in your policy before you apply for benefits.
Contact Disability Attorney Nancy L. Cavey, Who Can Help You Regardless of Where You Live
Dementia can make it difficult, if not impossible, to work. You owe it to yourself and your family to get help today! Nancy Cavey can review your policy and your medical records, and explain to you what your policy says and how to get your disability benefits. Call today for a free consultation at 727-894-3188.