Cognitive Limitations

The majority of individuals that seek long term disability benefits have some sort of cognitive limitation or cognitive difficulty that prevents the person from being able to work with reasonable continuity. Cognitive limitations are things like memory loss, difficult focusing, multi-tasking, impaired organizational skills and mental fatigue. These limitations can be caused by a brain injury, stroke, psychiatric condition, medication side effects or a secondary condition associated with another major medical condition that the claimant may be suffering from.

We have helped thousands of long term disability insurance claimants suffering with cognitive difficulties to obtain disability benefits. If you are experiencing any cognitive difficulties it is extremely important to treat with a psychologist, psychiatrist or neuropsychologist. Most disability insurance companies will require a claimant to undergo a neuropsychological test in order to evaluate a claimant’s cognitive difficulties. Please contact any of our disability insurance attorneys for a free consultation nationwide.

What is Neuropsychological testing?

Neuropsychological testing is highly specialized testing performed by a neuropsychologist to identify and provide objective medical evidence of cognitive dysfunction. It is a highly valuable tool in establishing a claim for disability that involves various cognitive problems such as memory, thought processing and executive functioning.

Neuropsychological testing is most often used in claims involving:

  • Traumatic brain injury
  • Neurodegenerative conditions such as Parkinson’s and Alzheimer’s
  • Psychological disorders for example depression, anxiety, bipolar
  • Stroke

Neuropsychological testing can also be used in conjunction with other medical evidence to support disability claims stemming from physical medical conditions including:

  • Chronic pain conditions
  • Chronic fatigue syndrome
  • Autoimmune conditions
  • Effects of medications

Is a Neuropsychological test right for your Disability Claim?

It wouldn’t be necessary or appropriate to undergo neuropsychological testing in every claim for disability insurance benefits, but dependent on the specific facts of a case it may be a vital piece of information to assist in getting benefits approved.

How can a Disability Insurance Attorney help you?

The Disability Insurance Attorneys at Dell & Schaefer will identify if neuropsychological testing may be necessary or anticipate if the insurance carrier will want a neuropsychological test. In either case, our attorneys will recommend tests that should be performed to absolutely establish the extent of impairment. To help ensure the neuropsychologist has the complete background of our client; our attorneys will provide the neuropsychologist with medical records detailing our client’s condition and a historical record of our client’s symptoms. Our experienced attorneys will review the report and look for irregularities that may require further action. Once all the necessary documents have been completed our attorneys will examine the comprehensive record for valuable results that will be included in your claim file identifying medical evidence of cognitive dysfunction. If there are critical results our attorneys will make recommendations.

For More Information on Neurological Testing

Neuropsychological Evaluation FAQ – University of North Carolina School of Medicine

Neuropsychological Tests – WebMD

NAB – Neuropsychological Assessment Battery

Resources to Help You Win Disability Benefits

Disability Benefit Denial Options
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Sue Your Disability Insurance Company

We have filed thousands of disability denial lawsuits in federal Courts nationwide.

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We help claimants throughout the entire application process.

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Prevent a Disability Benefit Denial
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Negotiate a Lump-Sum Settlement

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Disability Company Reviews
(642)
Showing 8 of 642 Reviews
Sedgwick

AT&T Was Great and Sedgwick Horrible

Reviewed by From a great job to a complete nightmare on March 20th 2024   Verified Policyholder | March 2024 date of disability
My Physician recommended that I take some time from a toxic environment after several deaths in my family coupled with AT&T trying to run tenured employees out of the door... read more >
New York Life

Keeps claiming they will not approve claim for pre existing conditions but my illness is not preexisting

Reviewed by M.T. on February 15th 2024   Verified Policyholder | May 2023 date of disability
I have been appealing a claim for LTD for 8 months! New York Life keeps claiming they will not approve claim for pre existing conditions but my illness is not preexisting ... read more >
Reliance Standard

Staff Lie

Reviewed by Tanya on February 12th 2024   Verified Policyholder | August 2021 date of disability
I had my disability cut off the day I was scheduled to find out whether I should have surgery. The claims examiner was aware that I had an appointment on that date and sai... read more >
Reply
Sent on February 12th 2024 by Attorney Gregory Dell

I am sorry to hear about your experience. It’s crazy that Reliance Standard would deny your disability benefits when you are suffering so badly that you need surgery.... read more >

Hartford

Former Hartford employee has had life insurance and accidental death policy's revoked for one late premium payment

Reviewed by Becky H. THOMAS on February 12th 2024   Verified Policyholder | February 2024 date of disability
Dislike how they are constantly interrupting the lives of their disabled EE's whom are entitled to benefit which they paid into out of there pay check every pay period onl... read more >
Reply
Sent on February 12th 2024 by Attorney Gregory Dell

Thank you for your review of Hartford and we appreciate you sharing.  It’s sad they don’t take care of their own employees.

Lincoln Financial

Never received benefits my entire leave - or help with them

Reviewed by Anna on December 19th 2023   Verified Policyholder | November 2023 date of disability
I used my short term disability insurance for maternity leave and started the process beforehand knowing when I would be out (scheduled induction.) It took a little over a... read more >
Sun Life

Unscrupulous Tactics

Reviewed by Misseekayy on December 19th 2023   Verified Policyholder | May 2023 date of disability
Sunlife uses unscrupulous tactics in order to prevent payment of claims. They wait until it is close to the 30 day mark and then they ask for another form of information o... read more >
Sedgwick

Lame

Reviewed by Dennis T. on December 11th 2023   Verified Policyholder | March 2022 date of disability
My experience with Sedgwick and personell is as follows: Unhelpful, unprofessional and an overall unpleasant experience.
Unum

Low payments

Reviewed by Dorothy on November 30th 2023   Verified Policyholder | November 2023 date of disability
I was injured at work. I did house keeping in a hospital. I tore just about everything imaginable in my knee. I was let go from my job, because I was no longer able to do ... read more >
Answered Questions by Our Lawyers
(2)
Showing 2 of 2 Answered Questions

Q: I need help understanding what MMI means in my case. I also need help because I have also been diagnosed with PTSD related to my head injury from the same accident.

Answered on February 15th 2024 by Attorney Jay Symonds
A: Rhonda, you have a complicated situation and we would need to review your STD/LTD coverage certificates before... Read More >

Q: Can I prevent Standard from cutting off my mental health benefits after 2 years?

Answered on October 27th 2011 by Attorney Gregory Dell
A: Clare, If your disability policy has the two year mental nervous limitation, then there is no case law I am aw... Read More >
Helpful Videos
(888)
Showing 12 of 888 Videos
Disability Benefit Tips
(330)
Showing 8 of 330 Benefit Tips

Neuropsychological Testing in Long Term Disability Insurance Claims

Neuropsychological testing is highly specialized testing performed by a neuropsychologist to identify and provide objective medical evidence o... Read More >

What Should I be Aware of if I Have Cognitive Limitations and I Am Receiving Disability Insurance Benefits?

Don't let your disability company limit your disability claim to 24 months due to a cognitive... Read More >

Disability Benefit Denial Reason #5 – Your Medical Evidence is Weak

If you're seeking long term disability benefits from an insurance company, you may be concern... Read More >

Disability Benefit Denial Reason #4 - Your Doctor Is Misled By the Disability Company

When you're seeking disability benefits under a long term disability policy, your medical rec... Read More >

Disability Benefit Denial Reason #3 - Video & Social Media Surveillance

One thing many long term disability claimants don't know about (or expect) from the claims re... Read More >

How Do You Fight a Long-Term Disability Denial?

Getting a denial letter from your disability insurance company is one of the ultimate insults... Read More >

Disability Denial Reason #2 - Change of Disability Definition & Vocational Review

One of the top reasons for terminating a claimant's long term disability benefits involves th... Read More >

Disability Denial Reason #1 – Paper Review & IME

At Dell Disability Lawyers, we've seen insurance companies give countless reasons to deny lon... Read More >
Dell Disability Cases
(375)
Showing 8 of 375 Dell Disability Cases

Lawyer Wins 24 Month Mental Nervous Prudential Disability Denial

Our client, a former law partner of a large national law firm, filed for disability with Prud... Read More >

Reliance Standard overturned its previous denial of long term disability benefits for Texas Retail Store Manager

Our client, Mr. S, formerly worked as a Store Manager for a large national retail chain. In August 2016 Mr. S suffered from multiple Transient... Read More >

Hartford Reinstates Disability Benefits to HR Manager

I recently wrote an article regarding the relationship between Rheumatoid Arthritis (RA) and Cognitive Dysfunction that discussed increasing m... Read More >

Lincoln Financial Reinstates Disability Benefits To School Teacher

Our client, a former Special Education Teacher, was brutally assaulted in a commercial gym by another gym patron that required brain surgery a... Read More >

Aetna overturns decision to deny LTD benefits for claimant suffering from post-concussion syndrome and neurocognitive disorder

The above claimant contacted the law firm of Dell Disability Lawyers to represent her after receiving a denial of STD and LTD benefits from Ae... Read More >

Liberty Mutual reverses decision to terminate disability benefits

Dell Disability Lawyers win a long-term disability appeal on behalf of a psychologist whose disability benefits were denied by Liberty Mutual.... Read More >

Seven Surgeries and The Standard Still Denies Long Term Disability Benefits

Our client was employed with the State of Oregon as a Technical Support Representative. She ... Read More >

Sun Life Wrongfully Denies Disability After Paying For 23 Months

We represent a 57 year-old claimant who’s occupation was selling commercial vehicles for ma... Read More >
Disability Lawsuit Stories
(765)
Showing 8 of 765 Lawsuit Stories

Court Finds Prudential Abused its Discretion in Denying LTD Benefits

In James Ampe v. The Prudential Insurance Company of America, et al., Plaintiff Ampe worked for several years for the Massachusetts ... Read More >

Prudential Wrongfully Relies on Neuropsychological Report to Deny LTD Benefits After 12 Years

Initial denialMr. Paquin became disabled in 2003 after contracting encephalitis from a mosquito infected with the West Nile virus. The inf... Read More >

Lockheed Martin Systems Integration Analyst Wins Long-term Disability Lawsuit against CIGNA

Cal Van Steen had been employed as a Systems Integration Business Analyst at Lockheed Martin Corporation and participated in the company’s g... Read More >

Disabled Georgia man sues Boston Mutual for denial of disability benefits

A Georgia disability attorney recently filed a federal ERISA disability lawsuit against Boston Mutual Insurance Company of America and Disabil... Read More >

Prudential terminates disability benefits of traumatic brain injury claimant in a case of mistaken identity

James H. White filed a lawsuit against Prudential Insurance of America in the United States District Court For The Eastern District of Pennsyl... Read More >

AETNA sued for failure to pay out disability benefits to ex senior nurse suffering from disabling mental conditions

On March 29th 2011, a lawsuit was filed against the AETNA Life Insurance Company (AETNA Life) at the District court for the Southern District ... Read More >

Reliance Standard Disability Denial Upheld Due to Claimant's Lack of Strong Medical Record Support

In the case of Amy Wright v. Reliance Standard Life Insurance Company (Reliance), Plaintiff was the vice-president of... Read More >

Unum Wrongfully Terminated Disabled Lawyer’s Disability Claim of Depression and Anxiety Despite Improvement in His Condition

This Unum lawsuit and appeal in federal court is a great victory for all Unum disability claimants. This ca... Read More >

Reviews from Our Clients

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5 Ways We Help Get Your Benefits Paid

Get Your Disability Application Approved

Our goal is to get your application for disability income benefits approved. Applying for disability benefits can be a difficult process and the information you provide is critical. Most disability insurance companies look at your application in hopes of finding a reason to deny your claim. Your disability company will ask you to complete numerous forms, interview you, request lots of information, speak with your doctors and possibly request to have you examined by their "hired gun" doctor.

Through our experience of having helped thousands of disability insurance claimants, our lawyers will guide you through the entire application process and give you the best chance to get your disability claim approved the first time.

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If your disability insurance benefits have been wrongfully denied, then our lawyers know exactly what it takes to get your disability claim approved. You only get once chance to submit an Appeal, therefore every piece of evidence that will support your disability claim must be included. The goal is to win your disability benefits at the Appeal level, but while preparing your Appeal you must consider how a federal judge will review your disability claim if your benefit denial is upheld.

Preparing a strong disability appeal package is an art that requires you to understand how the courts interpret your disability policy language, ERISA regulations / laws, and how to strategically present evidence in support of your definition of "disability". We encourage you to contact any of our lawyers for a free immediate review of your disability denial.

Sue Your Disability Company

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We have recovered hundreds of millions of dollars for our clients and we would like the opportunity to provide you with a free review of your disability benefit denial. There are many complex factors in a disability benefit lawsuit and the legal battle to win long term disability benefits can be fierce.

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Approval of long-term disability is a continuous process as every disability insurance company will evaluate your eligibility for benefits on a monthly basis. You can never let your guard down and assume that your disability company will continue to pay your benefits for as long as you think you need them.

Our law firm offers a reasonable flat fee monthly claim handling service in which we handle every aspect of your long-term disability claim and do whatever it takes to make sure you are paid every month.

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Let's discuss if a lump-sum settlement or buyout of your disability insurance claim is both available and makes financial sense for you. Our lawyers have negotiated more than five-hundred million dollars in disability insurance buyouts and we know how to get you a maximum settlement. A disability insurance company is not required to offer a buyout and not every disability company offers them.

Questions About Hiring Us

Who are Dell Disability Lawyers?

We are disability insurance lawyers that know how to get your short or long term disability benefits paid. As a nationwide law firm we have helped thousands of disability insurance claimants throughout the United States to collect hundreds of millions of dollars of disability insurance benefits from every major disability insurance company.

In more than 98% of our cases, our lawyers have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement. Our lawyers have seen it all when it comes to disability insurance claims and we know exactly what it takes for your disability claim to be approved.

We welcome you to contact any of our attorneys for a free immediate review of your disability claim. We also invite you to visit and subscribe to our YouTube channel where we have more than 700 videos and regularly provide tips to help protect your disability benefits.

Who do you help?

Our lawyers help individuals that have either purchased a long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer. We have helped individuals in almost every type of occupation with monthly disability benefit payments ranging from $1,500 to $50,000.

Our clients include all types of employees ranging from retail associates, sales representatives, government employees, police officers, teachers, janitors, nurses, pilots, truck drivers, financial advisors, doctors, dentists, veterinarians, lawyers, consultants, IT professionals, engineers, professional athletes, business owners, and high level executives.

A strong understanding and presentation of the duties of your occupation is essential for securing disability insurance benefits.

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via phone, email, fax, GoToMeeting sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-698-9159 or by email. Lawyers and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.