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Unfortunately, long-term disability carriers don’t make it easy for those with cognitive dysfunction to get the disability benefits they deserve or to stay on claim. One of the tactics that disability carriers routinely use is to claim that cognitive problems are just the manifestation of underlying psychiatric conditions. As a result, a policy holder’s benefits will be limited to just 2 years.
To bolster this defense, they’ll have an “independent” medical evaluation by a “liar for hire” neuropsychologist whose job it is to give the disability carrier ammunition to deny the claim. That’s particularly true because cognitive problems can be self-reported. In other words, you may claim that you have difficulty remembering things, sequencing information, analyzing information, and staying on task. Neuropsychological evaluations can, in combination with other objective studies like scans, document a physical organic basis for the cognitive condition.
What Should I Do If My Claim Has Been Denied As A Result of Neuropsychological Report?
You should request that the battery of tests be sent to your own doctor or expert for review so that your physician be allowed to comment.
That’s particularly true since many neuropsychologists will inappropriately use The Minnesota Multiphasic Personality Inventory (MMPI F-Scales) to claim that the policyholder is “faking bad”. The carrier will deny the claim based on a lack of full effort or fraud.
If you’ve purchased your policy through your employer and you have been denied, you’ll only have 180 days to file your appeal for your wrongfully denied disability claim. If your claim has been denied, contact our Assurity disability claims attorney today.
Don’t delay! Contact experienced disability attorney Nancy Cavey who can help you get the disability benefits you deserve regardless of where you live in the United States. Call today at 727-477-3263.
