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While it can be difficult to obtain cognitive impairment disability benefits, it is definitely possible. Here are some tips to help you prepare your disability benefits claim. What Is a Cognitive Impairment? The majority of people who file for disability benefits do so for cognitive impairment-related conditions. Cognitive disabilities include difficulty focusing, inability to multitask, memory loss, and trouble making decisions. Cognitive impairment is caused by brain injury, stroke, a psychiatric condition such as depression, or the side effects of medication. Environmental hazards such as chemicals and pesticides can also cause cognitive impairments. Symptoms of a Cognitive Impairment The severity of cognitive impairment varies from mild periods of forgetfulness to significant impairment that results in an individual being unable to care for him…Read More

Chronic diverticulitis can be debilitating, but not everyone with this disease may qualify for long-term disability benefits. If you are wondering, "can I get disability for diverticulitis?" The short answer is yes, but it depends. What Is Diverticulitis? Diverticulitis attacks the digestive system and is caused by the formation of small pouches called diverticula along the intestinal walls. When these pockets become inflamed or infected they can result in severe abdominal pain, cramping, and bloating, as well as fever, nausea, and vomiting. The severity of diverticulitis can range from an acute occurrence to a chronic condition. Doctors are unsure of the precise cause of the disease, but many believe low-fiber diets may be partly to blame. If you suspect you have diverticulitis, see your doctor immediately. If the condition is left…Read More

If you are unable to work, you may be wondering if you are eligible for both unemployment and disability benefits. The answer? Rarely. Yet, some eligibility requirements may occasionally overlap. Eligibility for Unemployment In order to receive unemployment, you must claim to be unable to work. In Florida, you may file an application for unemployment benefits with the Florida Department of Economic Opportunity. Part of that application includes a claim that states you are able to work. You must be considered "ready, willing, and able to work" to obtain unemployment, according to the language used in the application. In addition to this, you must have lost your job due to no fault of your own. These requirements determine your eligibility…Read More

Has Your Condition Changed? How Do You Spend Your Day? What Are Your Symptoms? When Did Your Inability to Work Begin? What are Your Hobbies and Activities? What Are Your Plans to Return to Work? Have You Traveled Recently? How Long Can You Do Certain Activities?” What Kind of Treatment Have You Received? Do You Take Medication? If you receive a call or letter from your insurance company requesting an interview related to your long-term disability, don't panic. It doesn't mean you are about to lose your benefits or that your claim is about to be denied. An interview with an insurance company representative is not uncommon. In fact, up to 50% of claimants are interviewed. Nevertheless, you can prepare…Read More

Denied his disability insurance claim four times, Dr. John Doe – ‘John Doe’ is a substitute for the real name of our client to preserve his anonymity – could have given up, but he didn’t. Luckily, he was referred to our firm and we began digging deep into how this 36-year old radiologist’s health condition ended a bright career and turned the tables on his insurance company’s denial. As a radiologist interpreting X-rays, MRI’s, and other types of medical imagining, Dr. John is a specialist, with more than a decade of medical education and training. As a diagnostic radiologist, Dr. John needs acute vision and cognitive functioning skills to perform his duties. Radiologists work weekends, evenings, and irregular hours and…Read More

Death due to coronavirus exposure would almost certainly not be covered under an accidental death insurance policy. BUT – and here’s the tricky part – there CAN BE an exception depending on how and when the virus was contracted. The leading case reaches back to 1931 in Chase v. Business Men’s Assurance Co, 51 F.2d 34 (10th Cir. 1931). The case involved an accidental death claim brought by the insurer’s beneficiary. The insurer contracted typhoid fever as a result of drinking contaminated water. The court determined the plain language of the policy “does not cover death resulting from typhoid fever not caused or brought about by accidental bodily injuries, unless it was intended that the word ‘disease’ should not include…Read More