What does Cognitive Impairment refer to in insurance terminology?

What does Cognitive Impairment refer to in insurance terminology?

• A. Loss of memory and reasoning due to organic brain illness including Alzheimer's disease and traumatic brain injury.
• B. Temporary forgetfulness.
• C. Vision impairment.
• D. Hearing loss.

Answer: (A)

Cognitive impairment in insurance terms means a clinically verifiable decline in mental function caused by disease or injury to the brain, affecting memory, thinking, and judgment. This level of impairment comes from organic brain illness such as Alzheimer's disease or traumatic brain injury, which is why the description includes loss of memory and reasoning due to brain disease or injury. This is distinct from temporary forgetfulness, which is not a formal cognitive impairment, and from vision or hearing loss, which are sensory impairments rather than cognitive ones.

Cognitive impairment in insurance terms means a clinically verifiable decline in mental function caused by disease or injury to the brain, affecting memory, thinking, and judgment. This level of impairment comes from organic brain illness such as Alzheimer's disease or traumatic brain injury, which is why the description includes loss of memory and reasoning due to brain disease or injury.

This is distinct from temporary forgetfulness, which is not a formal cognitive impairment, and from vision or hearing loss, which are sensory impairments rather than cognitive ones.