Hypoxic Brain Injury From Sleep Apnea is a Disability, But What Kind?
Oregon's Court of Appeals ruled that cognitive impairment from hypoxia caused by sleep apnea was more like a "sickness" than an "injury." That distinction allowed the disability insurer to cut off benefits at age 65, instead of continuing them for life under the particular disability insurance policy.
In Boly v. The Paul Revere Life Insurance Co, Jeff Boly, an attorney, gradually lost his ability to work because of sleep apnea. Initially, he suffered daytime sleepiness and reduced productivity. He applied for benefits, and received partial disability payments. Over time, Mr. Boly noticed cognitive impairments and saw a specialist who confirmed the problems and the cause, which was chronic, nocturnal hypoxia from sleep apnea.
The disability insurance policy distinguished between disability from accidents and disability from "injury" and disability from "sickness." The contract did not define those terms, so it was up to the court to decide. To win against an insurance company, the insured need only show that the language is unclear, and the insured's interpretation is "plausible." Mr. Boly's lawyers argued that sleep apnea is not a sickness and that the brain damage could have been prevented if Mr. Boly's doctors had diagnosed the problem sooner. It was more like injury from malpractice than from a sickness, they argued.
The court agreed that the issue was not clear cut. The court, itself, could not define "injury." However, in this situation, the court seemed persuaded that the progressive nature of the problem tipped the scale to say Mr. Boly's situation was more like a sickness than an injury.
Jeff Merrick, Oregon Trial Attorney
Injury & Employment Law
503-665-4234
The above is not legal advice. I cannot give you sound advice without knowing more information. It is intended to raise some issues for you to discuss with your own lawyer.
Today, the Oregon Court of Appeals ruled that a worker injured in a car accident while on the job may obtain underinsured motorist insurance benefits without having to pay back the workers' compensation insurer.




