Does A Stroke Qualify For Disability – One of the most common questions we get is, “If I have a stroke, am I eligible for long-term disability benefits?”
Disability caused by a stroke can severely limit your physical and mental abilities and seriously affect your ability to work. In fact, only 10 percent of stroke victims return to work.
Does A Stroke Qualify For Disability
Therefore, if you have a stroke, you may be eligible for long-term disability benefits (also known as LTD benefits) under a group or individual insurance plan if you have a plan. You may also be eligible for government assistance.
Complications As Important Predictors Of Disability In Ischemic Stroke
Ertel’s lawyers help people who have been denied or canceled by insurance companies under group or individual insurance plans.
We work with you and your doctor to challenge an insurance company’s denial or cancellation of your long-term disability benefits.
If necessary, we will engage other credible experts to support your case, including experts, functional capacity assessors and vocational assessors to credibly explain why your stroke symptoms prevent you from ‘own occupation’ or ‘any occupation’.
Ischemic stroke: Caused by a blockage or blood clot in your brain. A blockage usually occurs when plaque builds up on the inner wall of an artery.
Stroke Key Figures
Hemorrhagic stroke: occurs when an artery in the brain bursts. Because a fracture cuts off blood flow, it can damage your brain. This type of stroke is usually associated with high blood pressure, because high blood pressure weakens the arteries over time.
Transient ischemic attack (TIA): A small clot temporarily blocks an artery. This type of stroke is sometimes called a mini or warning stroke. TIA symptoms last less than 1 hour and may last only a few minutes. They are an important sign of a more serious stroke.
A stroke can also be caused by swelling of the brain due to a tumor, infection, injury, or disease. These types of stroke are very rare.
The Heart and Stroke Foundation of Canada has developed an acronym (FAST) to help recognize a stroke:
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If someone you know has the above symptoms, they are probably having a stroke and you should call 911 immediately.
Treatment for a stroke depends on the type of stroke a person has had and the person’s overall health.
Medicines that break up clots (tissue plasminogen activator) can be used for some strokes if the person comes to the hospital early (3 to 4.5 hours after the stroke).
Because high blood pressure is an important risk factor for stroke and a contributing factor in people having frequent strokes, drugs that lower blood pressure are used to prevent and later stroke.
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Surgery can be used to repair the damage caused by a stroke, or it can be used to prevent a stroke from occurring. Surgery is used to remove blood that has accumulated in the brain after a hemorrhagic stroke, repair broken blood vessels, or remove plaque from inside the carotid artery. Alternatively, catheters are another option for plaque removal.
Depending on the severity of the stroke and the part of the brain affected, a stroke can affect speech, movement, cognition, vision, etc. These effects can create another layer of disability and may require treatment such as physical therapy to improve. Muscle balance and control, physiotherapy, occupational therapy, etc.
Stroke survivors are also counseled by nutritionists for overall health (especially for those with high blood pressure and diabetes), social workers, and rehabilitation specialists to learn how to use assistive devices.
Stroke survivors often suffer from fatigue, problems with memory, attention, problem solving and speed of thought. They also experience high levels of depression, stress, low self-esteem and an inability to perform everyday tasks.
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If your stroke disability is severe enough to limit your ability to perform basic tasks such as concentration, critical thinking, communication, memory, standing, walking, pulling, carrying, reaching, sitting, lifting or touching, you may be eligible for a long times . time – Permanent disability benefits
It is illegal to discriminate in employment based on a physical disability: The Ontario Human Rights Act and the Canadian Human Rights Act.
Ertl Lawyers are employment and disability lawyers based in Toronto. If you have been discriminated against, we can help you, including:
Your entitlement to long-term disability benefits for stroke disability depends on the wording of your disability policy. So you should review your policy to see how it defines things like “total disability” and “occupational” — and whether any exclusions apply (especially for pre-existing conditions).
Social Security Disability Benefits For Stroke Survivors
To qualify for stroke long-term disability benefits, each insurer will require you to provide medical documentation showing how your illness or injury causes a limitation or disability that prevents you from performing the essential functions of your job. Therefore, a copy of your medical records is needed to see if there is an objective basis for your stroke diagnosis and what your medical records say about your symptoms and limitations.
Because your eligibility for long-term stroke disability benefits depends on the strength of your evidence, you should obtain a copy of your employee’s file from the office. This may mean that the stroke has negatively affected your work performance. Your work performance may be affected by limited ability to use your hands, stand, walk, memory loss, etc.
You should receive a copy of your job description. Based on that job description, you should write a detailed list of the physical duties associated with your job description—and explain how your stroke disability limits your ability to do your job.
It is recommended that you give the doctor a job description. You should ask your doctor to prepare a report that clearly explains the objective basis for the stroke diagnosis, the objective basis for your limitations, and the objective reasons why you cannot perform some or all of your important tasks. employment
Stroke Symptoms, Causes, Warning Signs, And Types
Your entitlement to long-term disability benefits also requires that you receive ongoing, regular care and treatment for your stroke. In other words, don’t skip appointments and always follow your doctor’s treatment plans.
Finally, journaling is important. A diary is a written record that helps you keep track of when (a) your symptoms interfere with your ability to do things and (b) the side effects of medications.
When you will receive disability benefits depends on the language of your policy. All long term disability insurance plans have what is known as an “eligibility period” or “exclusion period.”
In addition to short-term and long-term disability benefits through a group or individual insurance plan, people with stroke disabilities may receive one or more of the following benefits:
Raising Awareness Of Stroke And How To Prevent It
2. Jette van der Kemp, Wilke J. Krutow, Tanja C. W. Nijboer, Koen A. M. van Bankem, Caroline van Higten and Johanna M. Nuvva. Visser Milli (2019) Returning to work after mild to moderate stroke: Job satisfaction factors and Neuropsychological Rehabilitation, 29:4, 638-653, DOI:1080/09602011.2017.1313746
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Most disability issues are resolved through negotiation and arbitration – and insurance companies know that we are interested in our clients’ rights.
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On June 20, 2018, the Government of Canada introduced Bill C-81 to Parliament, legislation aimed at creating a barrier-free Canada by 2040, known as the Accessible Canada Act. The Affordable Canada Act (ACA) received royal assent on June 21, 2019 and became law in July… A stroke can be a disabling condition that makes you eligible for Social Security Administration (SSA) disability benefits. The SSA offers two programs: Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI).
SSI is designed to help people with very low incomes, while SSDI is a disability program for people who have contributed to Social Security over time by working at a job. SSI is a federal program that is paid for out of general tax revenues, not out of SSA’s tax base. SSI is entirely needs-based to provide basic food and shelter, so it has very strict income and asset requirements.
If you’ve worked long enough to contribute to the Social Security system, you’re eligible for SSDI.