Loss of Senses Long Term Disability Claim

Losing one’s ability to see, speak or hear can make working extremely difficult. It is important that if your Long Term Disability Claim was denied to seek help from a knowledgeable complex litigation attorney. Many insurance claim agents will still press that those afflicted can still work in some capacity without hearing or speech.

Hearing Loss

Hearing loss can happen through a variety of situations. It can be a degeneration of the bones inside the ear or occupational hearing loss from loud noises. But, losing hearing can become costly. Medical exams, specialized tests, hearing aids and other communication assistance devices are expensive. Hearing aids could help, but most are nearly $5,000 a pair. Cochlear implantation procedures are even more costly, with the Gift of Hearing Foundation reporting average costs that range from $75,000 to $125,000, dependent upon the facility at which the surgery is performed.

Time off work adds up quickly and could lose employment from too much sick time used. Then, the hearing loss could prevent someone from performing normal job duties. 

Loss of Speech

Loss of speech can happen for a variety of reasons. It can be temporary or permenant. The most common causes include strokes, head injuries, infections, brain tumors, dementia and dysomia. Not everyone who suffers speech loss will be completely mute.  Some respond well to direct treatment or substitute skill. These are exercises to help with communication. Many never regain speech again. 

However, many people don’t file the correct documentation, and their long term disability claim could be denied. Insurance agents want to see that treatments were performed. 

Vision Loss

With poor vision, it is possible to qualify for Long Term Disability Claim if classified as legally blind. Common reasons of vision loss are glaucoma, retinitis pigmentosa (RP), and other types of peripheral retinal disease. In addition, strokes, brain tumors, and trauma to the brain can cause vision loss as well. 

The main thing to include in your  appeal is the percentage of your visual efficiency. To determine visual efficiency, an optometrist will need to calculate visual acuity. 

Visual Acuity

Central Visual Efficiency

20/15032%
20/12540%
20/10050%
20/8060%
20/7063%
20/6067%
20/5075%
20/4085%
20/3091%
20/2595%

 

To qualify, your central visual efficiency must be 20% or worse.

Premier Complex Litigation Attorneys

The Michael Brady Lynch Firm has successfully represented thousands of consumers and recovered millions of dollars for their clients. Our team of attorneys has been recognized as some of the most experienced and successful in the country. Our award-winning staff is also sought after for our knowledge on complex litigation, scientific evidence development, negotiation strategies and trial tactics.

Most of all, our law office is resourceful and dedicated to pursuing any compensation you are due. Because of this, we have received a high degree of peer recognition and professional achievement, such as inclusion on numerous Plaintiff Steering Committees.  We will take whatever legal measures are necessary when fighting for your rights to damages.

If you have been injured or are prevented from working due to a physical or mental disability, it is important that you understand the LTD benefits you are entitled to. Our staff takes great care to offer the personalized and informative advice you need to understand your specific plan and the process of obtaining your benefits. Our attorneys have represented many clients in the past with complex cases. We will work tirelessly to obtain results on your behalf.

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