Strokes can have a permanent impact on a person’s health and life. After suffering from a severe stroke, a person may not be able to continue their life in the same way and perform their daily activities. Some people cannot even do their basic household chores, let alone return to work for their professional duties. In such cases, LTD benefits can help.
If you or your loved one has recently suffered from a stroke and are wondering whether you can get benefits, it is recommended that you hire an attorney from The Law Office of Nancy L. Cavey. Insurance companies can make it hard to get benefits even when you have solid evidence. However, having a legal expert by your side can increase your chances of success.
How does a stroke affect a person?
Strokes are of different types. How much it affects a person depends on which part of the brain it occurs, the degree of severity, and how long the stroke lasts. Some strokes can cause death immediately, and others may cause limitations. Some of the common and lasting effects of a stroke include the following:
- Vision problems
- Balance problems
- Speech and language problems
- Personality changes
- Weakness, paralysis, numbness
Can you get disability benefits after a stroke?
To determine whether you can qualify for long-term disability benefits after a stroke, consider the following:
- Your income cannot be more than $1,470 per month.
- Your disability must last for at least 12 months. This means that the effects of the stroke should be severe enough to prevent you from working and last for 12 months or more.
The Social Security Administration will first determine your initial eligibility and then move forward to check whether it meets or is equal to one of the conditions established by the law.
Filing a long-term disability claim after a stroke
If the complications from the stroke prevent you from working and you meet the initial requirements, you may be able to file a long-term disability claim. However, the insurance company may give you a hard time and disagree on whether the complications are severe enough.
The insurance company will scrutinize your medical records and demand objective evidence, such as diagnostic test results. Moreover, your physician needs to provide them with a detailed description of your impairment and limitations.
The bottom line is that it is not easy to convince the SSA that you have a valid claim. This is why it is recommended to hire an attorney.
