All occupations have cognitive demands. Even if you can still perform the physical requirements of your occupation, your may be disabled if you can no longer meet its cognitive demands. The cognitive demands of an occupation often are the most important for making a successful claim for benefits under a long-term disability insurance policy. This is particularly true for occupations with high cognitive demands, such as professional or executive level positions. If you feel you can no longer satisfy the demands of your profession because of cognitive loss, our New York disability law firm will help you put together a convincing application package or, if your claim has already been denied, work with you on appealing the denial.
Understanding the Causes of Cognitive Impairment
Sometimes referred to as “invisible” medical conditions, cognitive disorders are conditions that impair abilities such as memory, language, thinking, judgment, and emotion regulation. Cognitive impairments that arise in adulthood may have many causes: head injury, stroke, dementia, brain tumors, congestive heart failure, kidney disease, liver disease, or chronic alcohol or substance abuse, to name just a few.
Proving You Cannot Perform Your Occupation Because of Cognitive Impairment
Some occupations have a fast pace, require you to remember vast amounts of information and data, and require the ability to communicate well with coworkers, customers and colleagues. A disability that affects your memory, concentration, judgment, ability to communicate, or to plan and make decisions may mean you can no longer function adequately.
If you have an occupation with high cognitive demands, all it may take to render you disabled is a slight slip in mental acuity. For example, a person may still test with a high IQ and have no problem with ordinary day-to-day activities, but be unable to perform well in an occupation, such as a trial attorney, emergency room physician, or corporate CEO, with only average mental processing speed.
To prove your claim, you will need to submit to the insurance company medical evidence such as medical records, reports from your treating doctor, and results of cognitive examinations. Impairment of cognitive abilities can be established by neuropsychological testing. Because it is objective, neuropsychological testing often is very helpful in establishing disability. Better still, you may need to have a SPECT scan of the brain. An abnormal SPECT scan can further corroborate the cognitive deficits by showing abnormalities in the areas of the brain that control the cognitive processes affected.
For Best Results, Work with Our Disability Lawyers NY Residents Trust
If you suffer from cognitive impairment or any other disabling condition, our disability lawyers NY can help you prepare your initial claim and appeal if your initial claim is denied. We will obtain supporting reports from your doctor and refer you for whatever additional testing you need to advance your claim.