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Dr Basu
Dr Basu, Experienced Specialist
Category: Neurology
Satisfied Customers: 31193
Experience:  15 years' clinical experience
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I had a fall early this year and was diagnosed with a TBI,

Customer Question

Hi , I had a fall early this year and was diagnosed with a TBI, and had a bleed in the brain with contusions, I'm still suffering from the fall and unable to work.I'm covered under my critical illness policy for TBI - must must the definition of Permanent deficit , I asked my consultant today was it permanent and he advised he could not say either way, how can insurances pay out if proof is not possible
Submitted: 21 days ago.
Category: Neurology
Expert:  Dr Basu replied 21 days ago.

Hi there,
I am an experienced Medical Specialist.
I am here to address your concerns and provide great service.

You will need to discuss with your consult and can be certified for every 6 months to 1 year at a time with periodic re evaluations.
Best wishes,
Please reply back if you need any further clarification.
It was my pleasure to help you today.

Customer: replied 21 days ago.
ok, but if its review every 6mths or 1 yr , how can a doctor ever say its permanaent
Expert:  Dr Basu replied 21 days ago.

Usually if you are not improving in 3 years, this can be taken as permanent.

Customer: replied 21 days ago.
insurance companies don't hold claims for the amount of time
Expert:  Dr Basu replied 21 days ago.

In that case, you will need a second opinion or independent review of your records to determine if you can be certified as permanently disabled.