Question
Is it uncommon for a carrier to treat TBI as a mental health condition?
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.
Answer
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.
