Disability insurance attorneys Gregory Dell and Stephen Jessup discuss a Northern Illinois federal court case in which Hartford attempted to deny benefits to a nurse after 24 month. Hartford claimed that the Nurse’s cognitive impairment was a mental condition subject to the disability policy’s 24 month mental health limitation. The court disagreed and reinstated benefits. Watch our video as we discuss the common issues we encounter with claimants that experience depression or a cognitive impairment secondary to a physical disability.
Can The Hartford Characterize Cognitive Impairment Due to Chronic Pain a Mental Condition?
Comments (2)
Katy, it is not uncommon for a carrier to try to characterize it as a mental health condition until such time brain imaging shows it is organic in nature or stemming from a physical injury.
In relation to your Hartford case above or in your experience have you seen insurance companies try to characterized cognitive impairments due to a traumatic brain injury (TBI) as a mental condition? As it is very common to encounter claimants that experience depression due to the TBI or due to an impairment resulting from a physical disability or deformity.
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Patricia
Working with Dell & Schaefer overall was a very pleasant experience. Once I contacted the firm and agreed to representation all of my worries and concerns were handled by the firm. I did not have to deal with the incompetent and deceitful tactics of my policy holders any longer. Dell & Schaefer handled everything; contacting my physicians and putting together all necessary documentation to appeal my denial. I was able to than concentrate on my health issues.
There was minimal contact between Dell & Schaefer and myself. I placed the case in their hands and waited patiently for them to fight for me. Within weeks of submitting my appeal the insurance carrier reversed their decision. Everyone at Dell & Schaefer are extremely professional and compassionate. Whenever I had questions and or concerns they always responded promptly, professionally and compassionately. I am very thankful I turned to Dell & Schaefer in my hour of distress and frustration. I will continue to retain their services to ensure my rightful benefits.
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