Do you suffer from speech disorder disability? Did your disability insurance company deny your claim for disability benefits?
When you are burdened with a speech disorder, you experience loss of speech and communication. When you can no longer communicate because of a speech impairment it can be quite difficult to function in your work duties as well as daily activities.
If you are unable to work due to a speech disability, you may apply for long term disability (LTD) insurance benefits under an existing insurance policy. LTD insurance may be provided through your employer, or may be a personal policy that you own.
But whether by error or intent, insurance companies frequently deny disability claims for speech impairments. What can you do? Our disability lawyers are here to reveal the truth behind the insurer’s actions, and will evaluate your case without cost or obligation.
Long Term Disability Insurance Claims for Speech Disorder
You may already be in a battle with your insurance company, as insurers are well-known for denying LTD claims for speech impairments. Your chances of proving your claim and obtaining benefits greatly increase with the help of a disability lawyer with plenty of experience handling speech disorder disability claims.
Our legal team understands the great stress and frustration associated with the deterioration of one’s ability to speak. We have helped many disability insurance claimants prevail in their claims, who suffer from loss of speech, speech impediments, articulation disorders, and other forms of speech and communication disorders.
Whether you have already been denied benefits, or are just now filing and need assistance with your initial disability insurance application, Marc Whitehead & Associates is prepared to help you now.
What Causes Speech Disorders?
Speech impairments may be the result of injury, illness, physical disorders or genetics. Causes may include:
- vocal cord damage or paralysis
- injury to the spinal cord
- Parkinson’s disease
- brain damage
- Huntington’s disease
- dysphonia, spasmodic dysphonia
- respiratory weakness
- polyps or nodules on the vocal cords
- amyotrophic lateral sclerosis (ALS or Lou Gehrig’s disease)
Winning Your Speech Disorder Disability Claim
Among the measures we take to perfect your claim, a vital component it a well-developed record. We prepare a fully supported medical opinion from your treating doctor of the condition. We document and support all complications resulting from the speech impairment or other disorders that you have along with this condition.
Whether the insurance company performs a paper review of your case or actually examines you by their “in-house doctor,” we will make sure that your medical and vocational records are detailed with all test results, diagnostic and clinical findings. We load your record with valuable information that ensures your case will stand up to any medical challenge or denial of benefits during negotiations or in a court of law.
Is Speech Impairment a Disability under Social Security?
Yes – when the disorder is so serious that you can no longer speak and be understood by others, it often turns out that working and keeping a job becomes impossible. In such cases you may qualify for disability benefits under the Social Security Disability Insurance (SSDI) program.
SSDI lists speech disorders in the Listing of Impairments (Blue Book) section 2.00 Special Senses and Speech, and specifically part 2.09:
“Loss of Speech, due to any cause, with inability to produce by any means speech that can be heard, understood, or sustained.”
In addition – and this is quite common – your impairment may be a result of an injury or illness that is listed in the SSA Listing of impairments. For example, if your loss of speech is due to a stroke, SSA will evaluate your speech disorder under the Blue Book listing for Stroke, which is found under SSA’s listing 11.00 Neurological.
In order to win your SSDI claim, you must prove your disorder meets all the requirements of the appropriate SSA Listing, and that your speech disorder disables you from performing your job or other work.
Veterans Disability Compensation for Speech Disorder – Loss of Speech
The VA can pay disability compensation to a veteran who, as a result of military service, sustained the loss or loss of use of specific organs or extremities.
Examples of the loss, or loss of use, are an amputation, or having no effective remaining function of an extremity or organ. This includes the constant inability to communicate by speech (complete organic aphonia) and may qualify for Special Monthly Compensation (SMC).
If you feel the VA wrongly denied your claim for loss of the ability to speak and communicate – stating your condition isn’t severe enough, isn’t service connected, or existed before you served your country – we would like to talk with you.
Was Your Speech Disorder Disability Claim Denied?
We can help. As disability attorneys, we understand how difficult it can be to obtain disability benefits when loss of speech or other forms of speech impairment prevent you from working. Your benefits are the lifeline to your financial well-being.
To speak with us about your disability claim, call 800-562-9830. Let us discuss with you how we can help.
We leave nothing to chance and will develop every legal channel available to help you obtain the benefits you are entitled to.