A stroke occurs when blood supply to a part of your brain is interrupted or reduced. With brain tissue deprived of oxygen and nutrients, brain cells begin to die.
Not everyone who has had a stroke is entitled to disability benefits. Disability insurance companies don’t always make it easy for policyholders who are disabled because of stroke or its complications to get the disability benefits they deserve.
What Are The Types Of Stroke And What Are The Symptoms?
The symptoms can include:
What Are The Disabling Complications Of A Stroke?
A stroke can cause temporary or permanent disability. The extent and nature of any disability depends on how long the brain didn’t have blood flow and which part of the brain was affected. The common disabling complications include:
How Disability Carriers Handle Stroke Claims
Disability carriers are notorious for denying and terminating many stroke claims. Carriers commonly argue that:
Many disability claims are denied. Carriers deny claims for other reasons. They’ll say:
(1) There is no objective basis of the stroke diagnosis,
(2) There is no objective basis for the restrictions and limitations assigned by your physician, or
(3) There is no causal relationship between your stroke diagnosis and/or your restrictions and limitations, and your inability to do your own or any occupation,
(4) There is no reason you can’t work in a sedentary capacity, or
(5) There is no reason you can’t work with accommodation.
Why You Need Nancy Cavey
Nancy Cavey, who has 35 years experience handling disability cases, has successfully represented many policyholders who have had strokes and have disabling complications. She overcomes a claims denial by working closely with you and your physician.
Ms. Cavey obtains, as needed, a Functional Capacity Evaluation to objectively document your physical limitation such as difficulty walking, standing and sitting. If you haven’t had neuropsychological testing to document your cognitive and memory problems, Ms. Cavey will help you arrange that testing.
She even hires a Vocational Evaluator to explain why your symptoms prevent you from doing your occupation or any occupation.
Nancy Cavey offers a free initial consultation and welcomes the opportunity to speak with you about your disability claim.
How Do I Get The Disability Insurance Benefits I Deserve?
A stroke and its complications can interfere not only with your daily activities but with your ability to work.
If you no longer can work or your doctor has told you to apply for disability benefits, you should take steps before you apply:
Your policy might limit conditions that are based on subjective complaints without objective evidence of a diagnosis. Be sure to review the mental nervous limitation clause and determine how the carrier might apply the clause to limit the payment of benefits.
Contact Disability Attorney Nancy L. Cavey, Who Can Help You Regardless of Where You Live
A stroke and its complications 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.