Proving that you cannot work due to a physical injury can be challenging enough when filing a long-term disability claim. Insurers demand a mountain of evidence that the injury is debilitating. But proving a psychological or cognitive injury can be even more difficult.
Many employer-sponsored disability plans cover these types of injuries and conditions. But despite all the medical proof and other information you have to shore up your claim, insurance companies often demand that you undergo neuropsychological testing.
What are neuropsychological tests?
Neuropsychology examines a person’s behavior and thinking skills. If you can’t focus or make simple decisions, testing may help determine what’s wrong. These symptoms often interfere with someone’s ability to perform their job duties. Testing is done to measure the following:
- Motor functions
- Cognition (the ability to remember, think, learn and understand)
- Verbal ability
Doctors use the results to assess whether you may suffer from conditions such as Alzheimer’s or Parkinson’s disease, depression, anxiety or other emotional disorders. They can also suggest whether you have a brain injury resulting from trauma, such as a car accident, or if your condition is related to aging.
You may have questions about neuropsychological testing and if it is the right thing to do for your claim. In addition to your doctor’s recommendations, you may also want to speak to an ERISA attorney about how the long term disability insurer may use the results of the exam. ERISA regulations help ensure that you receive the benefits you deserve. A knowledgeable lawyer understands how the process works as well as the strategies insurers use to deny or reduce benefits.