Cognitive Brain Disease

Cognitive Brain Disease can sneak up in a number of situations. It’s important to be knowledgeable about what to do if you find yourself struggling with such a disorder.

When considering a case involving any condition of the brain, the primary importance is any policy language because it attempts to limit your benefit entitlement due to what is sometimes described as a “mental illness” or another condition– which insurance companies suggest are based solely on subjective complaints.  This is apparently because insurance companies deem all claimants untrustworthy.  They spend a lot of time combating insurance fraud.  They would do well to police themselves because 95% of all insurance fraud is committed by the insurance companies themselves. Cognitive brain disease is one that deserves more insight.

If there is an effort to pigeonhole your claim by such language, the attorneys at Herbert M. Hill, P.A. have successfully defeated such defenses on numerous occasions.  When the “mental illness” defense is pressed, the tack is to determine whether there is organic disease or diagnostic testing which might prove of assistance.  The entirety of the medical situation and the precise wording of the limitation must be considered.

Please keep in mind that this is not intended as legal advice applicable to any individual person’s unique legal situation.  If you have questions arising out of this point of law, you should contact an attorney who routinely handles claims involving policies of disability insurance.  While many law firms claim to handle such claims, long-term disability claims represent over 90% of the cases handled by Herbert M. Hill, P.A. It is our specialty and not something we do on the side as with most other firms.  Nor do we ever represent insurance companies.  We would welcome the opportunity to discuss your case with you, at no charge.  You can contact me at 407-839-0005 or at

Herbert M. Hill, P.A. is a law firm located in Orlando, Florida with a practice extending throughout the State of Florida.  While the vast majority of cases handled are for disability insurance benefits, areas of practice include employee benefit claims of all sorts.  The firm handles any claims arising under the Employee Retirement Income Security Act (known and referred to as “ERISA”) for disability benefits, medical benefits, retirement benefits of any sort, including pension, 401k, termination agreements or the like as well as claims arising under private disability policies.

By |2019-01-30T11:29:38-04:00November 12th, 2018|Blog, Life Insurance|0 Comments