Can I Get Long-Term Disability For A Traumatic Brain Injury (TBI)?
Yes, you may be eligible to receive long-term disability benefits for a traumatic Brain Injury (TBI). A TBI is a serious, and often life-changing injury. Generally, it is caused by a sudden blow, or series of blows, to the head, leading to brain damage. Depending on the severity of your TBI, you may have to live with physical and/or cognitive difficulties. To overcome these difficulties, you may need intense rehabilitative care. Some traumatic brain injuries are so severe, that rehab is necessary for the maintenance of what capabilities remain. Additionally, some traumatic brain injuries may cause residual effects severe enough to permanently disable someone.
If you have suffered from a TBI, you may find it difficult or even impossible to return to work in your condition. If that is the case, you should consider filing for long-term disability. It is important to speak with your attorney and your doctor before filing for disability insurance so that you can have a strong case from the start.
Causes of TBI
A traumatic brain injury occurs after you sustain a sudden blow to the head. The damage sustained will generally lead to bruising, swelling, and even internal bleeding. Common causes of TBIs include automobile accidents, falls, sports injuries, assaults, and other injuries. Roughly 1.5 million people in the US suffer from a traumatic brain injury each year. According to the CDC, over 200,000 people were hospitalized in 2019 for TBI-related injuries.
Additionally, traumatic brain injuries are common among military personnel. One of the most common causes of TBIs in soldiers is explosive devices, such as IEDs.
Individuals involved in sports often report concussions and other traumatic brain injuries. 15% of all US high school students self-reported a sports or recreation-related concussion in 2019, according to the CDC.
Disabling Symptoms of a Traumatic Brain Injury
Often, the effects of one’s TBI will last long after the injury occurs. For some, the effects can last years or even their whole lives. Even with proper treatment, care, and rehabilitation, some symptoms may never go away. This is why long-term disability coverage for your traumatic brain injury can be critical. Generally, symptoms of traumatic brain injuries are categorized as either physical or cognitive.
Disabling Physical TBI Symptoms
Common physical symptoms that may be disabling include:
- Ringing in ears (Tinnitus)
- Seizures and convulsions, or the development of epilepsy
- Loss of balance
- Light/noise sensitivity
- Muscle Weakness
- Poor sleep patterns
- Blurred vision
Disabling Cognitive Symptoms of TBIs
Disabling cognitive symptoms of sustaining a TBI may include:
- Mood Swings
- Impaired memory (short- or long-term)
- Poor attention span
- Difficulty with focus
- Difficulty with critical or abstract thinking
- Changes in Personality
- Poor impulse control
Any of the above symptoms, both physical and cognitive, can be disabling if they occur frequently or severely enough. It is common for people who suffer from a TBI to become permanently disabled because of the trauma, or the accompanying symptoms.