• Cognitive Disorder & Neuropsych Testing In  Long Term Disability Insurance ClaimsCognitive Disorder & Neuropsych Testing In Long Term Disability Insurance Claims

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 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. This becomes vitally important as most insurance companies will treat an insured’s complaints of memory problems or thinking as simply a matter of “self-reported symptoms” and will then quickly dismiss them as unverified.

The testing is most often used in claims involving traumatic brain injury, neurodegenerative conditions such as Parkinson’s and Alzheimer’s, and mental health claims stemming from depression, anxiety, bipolar, etc. However, neuropsychological testing can also be used in conjunction with other medical evidence to support disability claims stemming from physical medical conditions including the gamut of chronic pain conditions, chronic fatigue syndrome, and autoimmune conditions.

As the benefits of neuropsychological testing for neurological conditions, mental health disorders and traumatic brain injuries are relatively straight forward I’ll focus on the benefits of the testing as it relates to physical medical conditions. Many people suffering from physical medical conditions, to include but certainly not limited to: chronic pain conditions, chronic fatigue conditions, and autoimmune conditions report problems with concentration, memory, thought processing, etc. Cognitive problems stemming from physical medical conditions typically result on account of two general categories: (1) actual symptoms of the condition that make it hard to concentrate (pain or fatigue) and/or (2) the side effects of medications.

In many cases a claim for disability benefits stemming from one of the aforementioned physical medical conditions will be denied after the insurance carrier determines that one can work in a Sedentary demand level, or essentially that they have the ability to work a desk job. For an appreciable number of people filing disability due to physical medical conditions they can physically perform at a Sedentary level, but their real limitations are due to the fact job requires the ability to think, concentrate, remember, etc., and the pain/fatigue and/or side effects of their medication affect their ability to perform these tasks. In situations like this, if the cognitive problems are severe enough, a neuropsychological examination can help establish these limitations and in turn provide evidence to combat the insurance company’s position that the ability to perform at a Sedentary physical demand means that a person is not disabled on account of their condition.

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.

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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 telephone, e-mail, fax, GoToMeeting.com 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 800-682-8331 or by email. Lawyer 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.

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Emily H. (Massachusetts)

Rachel and team were professional, knowledgeable and competent in helping me with my disability insurance claim denial. I would not have been able to do this work myself successfully.  I had an illness best known as Chronic Lyme (I have more issues than that but that’s what I understood my diagnosis to be at the time of claim denial). This is a complex illness that is plagued with faulty testing, delayed diagnosis, inconsistent prognosis/ treatment outcomes, and vague (deniable) symptoms.

Advances in the disease’s treatment have stalled for decades due to financial & reputational conflicts of interest that exist across the healthcare/ insurance / government industries. It is a major thing to go against, and a very complex & constantly evolving issue, and Rachel was very familiar with all the chronic Lyme ‘inside baseball.’ Not many people want to get involved with anything Chronic Lyme-related if they have a choice. Finding an attorney that has expertise in this area is a rare find, and I can attest to the fact that Rachel meets this hard-to-find criteria and delivered results well beyond what I could have achieved without her.

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