OPINION
KAREN NELSON MOORE, Circuit Judge.
■Roy Stiltner, a seventy-year-old man currently serving a life sentence in a Kentucky state prison, appeals the district court’s dismissal of his petition for a writ of habeas corpus. The petition, which Stilt-ner filed in 2013, was sixteen years late. Stiltner argued that he was entitled to [515]*515equitable tolling due to mental incompetence, but the district court disagreed, concluding that although Stiltner is mentally incompetent, he did not diligently pursue his claims.' Because Stiltner did diligently pursue his claims to the extent that he understood them, he is entitled to equitable tolling. We therefore REVERSE the district court’s dismissal of the petition and REMAND for further proceedings consistent with this opinion.
I. BACKGROUND
A. Petition for Writ of Habeas Corpus
On May 12, 1986, Roy Stiltner pleaded guilty to murder, and a state court sentenced him to life in prison. R. 10-3 (App. Vol. I at 14, 16-18, 19-22) (Page ID #140, 142-145, 145-48). Stiltner did not appeal. Ten years later, Congress enacted the An-titerrorism and Effective Death Penalty Act, or AEDPA. Pub. L. No. 104-132, 110 Stat. 1214 (1996). AEDPA amended 28 U.S.C. § 2244 to include a one-year period of limitations for habeas petitions brought by prisoners challenging state-court judgments, See 28 U.S.C. § 2244(d)(1)(A). Prisoners whose convictions were finalized before Congress enacted AEDPA had one year after AEDPA’s effective date of April 24, 1996 to file habeas petitions. Cook v. Stegall, 295 F.3d 517, 519 (6th Cir. 2002). Stiltner, therefore, had until April 24,1997 to file a habeas petition.
On April 22, 2013, almost sixteen years after the filing deadline had passed, Stilt-ner filed a habeas petition in the United States District Court for the Western District of Kentucky.1 R. 1 (Habeas Pet.) (Page ID #1). Stiltner’s petition stated two grounds for relief: ineffective assistance of counsel for advising Stiltner to plead guilty even though he was “mentally retarded” and ineffective assistance of counsel for failing to inform Stiltner of his right to appeal. Id. at 6, 8 (Page ID #5, 7). Stiltner acknowledged that his petition was untimely, but argued that he was entitled to equitable tolling due to “mental retardation.” Id. at 15 (Page ID #14); see also R. 1-1 (Mem. in Support of Habeas Pet. at 1-9) (Page ID #17-25).
The district court expressed skepticism as to whether mental retardation entitled a petitioner to equitable tolling, but allowed the parties to brief the issue. R. 7 (First Order to Show Cause at 2-3) (Page ID #87-88); R. 8 (Petr. Resp. to First Order to Show Cause) (Page ID #89); R. 10 (Respt. Resp. to First Order to Show Cause) (Page ID #108); R. 12 (Petr. Reply to First Order to Show Cause) (Page ID #315). Instead of ruling on equitable tolling, however, the district court turned its attention to a different basis for dismissal: failure to exhaust state remedies. R. 13 (Second Order to Show Cause at 1-2) (Page ID #327-28). The district court concluded that Stiltner had not met AEDPA’s exhaustion requirements and dismissed Stiltner’s petition without prejudice. R. 16 (Order Dismissing Habeas Pet.) (Page ID #336). Stiltner filed an amended petition on April 15, 2014, R. 17 (Am. Habeas Pet.) (Page ID #337), and the district court concluded that Stiltner had fulfilled AED-PA’s exhaustion requirements and ordered an evidentiary hearing on equitable tolling, R. 22 (Order re: Evidentiary Hr’g at 2-3, 7) (Page ID #424-25, 429). The district court also appointed counsel for Stiltner. R. 25 (Order Appointing Counsel) (Page ID #437).
[516]*516B. Evidentiary Hearing
The evidentiary hearing focused on the extent of Stiltner’s “mental retardation.” See R. 17 (Am. Habeas Pet. at 15) (Page ID #350). The district court heard testimony from Dr. Eric Drogin, David Blair and Scot Gaither—two of Stiltner’s fellow prisoners, and Stiltner himself. R. 84 (Tr. of Evidentiary Hr’g at 2) (Page ID #800).
Drogin testified that he first examined Stiltner in 2006 on behalf of Kentucky’s Department of Public Advocacy. Id. at 11, 15 (Page ID #809, 813). As part of this assessment, Drogin administered an IQ test called the Wechsler Adult Intelligence Scale (“WAIS”), “the most commonly used full test of intelligence.” Id. at 13 (Page ID #811). The version of WAIS that Drogin administered included a full-scale IQ score as well as a verbal IQ score (which measures an individual’s ability to process language) and a performance IQ score (which measures an individual’s ability to complete tasks). Id. at 15 (Page ID 813). Dro-gin testified that most adults receive a full-scale IQ score between 85 and 115, but that Stiltner received a 62, which is “within a range that is typically associated with what [clinical psychologists previously] called ‘mental retardation’ and currently refer to as ‘intellectual disability.’ ” Id. at 14-15 (Page ID #812-13). Stiltner also received a verbal IQ score of 64 and a performance IQ score of 65. Id. at 15-17 (Page ID #813-15). When asked how Stilt-ner’s full-scale IQ score could be lower than his verbal IQ score or his performance IQ score, Drogin answered that the full-scale IQ score is not a combination of the other two scores, but rather is a more comprehensive score that is compared to a “standardization sample.” Id. at 17 (Page ID #815). Drogin explained that the reason that Stiltner’s full-scale IQ score was lower than the other two scores was “because of how unusual it is that somebody would perform so poorly in both of those areas at the same time.” Id.
Drogin also tested Stiltner’s logical reasoning skills by asking him to explain relationships between objects—such as how a boat and a car are similar. Id. at 22 (Page ID #820). Stiltner could not answer any of Drogin’s questions correctly. Id. On a separate vocabulary test, Stiltner scored in the third percentile, which Drogin explained meant that, out of 100 people in Stiltner’s age group, Stiltner would be expected to do better than only three of the 100 “in terms of understanding words that are spoken to him.” Id. at 25 (Page ID #823).
Drogin also administered a “cognitive capacity screening examination.” Id. at 26 (Page ID #824). Drogin determined that Stiltner was aware of the date and that he was in prison, but that Stiltner “had some difficulty nailing down the location [of the prison].” Id. at 27 (Page ID #825). Stilt-ner’s responses also evinced a very limited short-term memory. Id. at 28 (Page ID #826). Drogin concluded that Stiltner had “diminished cognitive capacity,” in that he had “difficulty' doing things that by in large we would expect normal people to be able to do.” Id. When asked what those things might be, Drogin said, “[things] [s]uch as tell you what town they have been in for the last several years, such as being able to remember some simple things that you ask them to remember, such as being able to do very basic repetition of numbers that you give them.” Id.
The district court also heard testimony from two of Stiltner’s fellow prisoners: Blair and Gaither. Blair was in prison with Stiltner in the 1990s and then again in the early 2000s. Id. at 65 (Page ID #863). Blair spent a lot of time with Stiltner—in the 1990s, the two were roommates. Id. Blair testified that, from his perspective, Stiltner has the mental capacity of “a 2 or [517]*517a 5-year-old.” Id. at 82 (Page ID #880). An exchange between Blair and Stiltner’s attorney is illustrative:
Q. Did you ever see [Stiltner] watch any TV shows?
A. Yeah.
Q. Do you recall any specific ones?
A. Westerns mostly, stuff like that.
Q. Do you recall if he thought that they were real or they were make believe?
A. A couple of them he thought was real, yeah.
Q. Which ones did he think were real?
A. I think it was when John Wayne, some kind of El Dorado or something like that, El Dorado.
Q. So he thought it was real life?
A. He thought it was real life, yeah.
Id. at 83 (Page ID #881).
Blair started helping Stiltner with his case in the 1990s. Id. at 67 (Page ID #865). When asked why he started helping Stiltner, Blair explained that once, when Blair was talking to another prisoner about that prisoner’s case, Stiltner walked up to Blair and said, “I was—I get something done on mine.” Id. Stiltner then turned and left. Id. at 82 (Page ID #880). According to Blair, this was typical for Stiltner, who walked around “like he was in a daze all the time.” Id. at 66 (Page ID #864). Although Stiltner never told Blair what he meant by “I get something done on mine,” Blair assumed that Stiltner meant he wanted legal help, and Blair started working on a motion to vacate, set aside, or correct Stiltner’s sentence under Kentucky Rule of Criminal Procedure 11.42, which Blair did not file until 2004. Id. at 68 (Page ID #866); see also R. 1-8 (Rule 11.42 Mot.) (Page ID #53). The Rule 11.42 motion sought relief based on Stilt-ner’s significant cognitive impairments. R. 84 (Tr. of Evidentiary Hr’g at 68) (Page ID #866); see also R. 1-8 (Rule 11.42 Mot.) (Page ID #53). As part of his efforts, Blair also filed a form requesting the factual contents of an investigation report in 1995. R. 84 (Tr. of Evidentiary Hr’g at 69-70) (Page ID #867-68); see also R. 43-8 (Req. for Factual Contents of Investigation Report) (Page ID #533). Stiltner was not involved with any of the filings. R. 84 (Tr. of Evidentiary Hr’g at 70) (Page ID #868). According to Blair, “[h]e looked at them, but he—he just walked away when he looked at them.” Id. Stiltner never asked Blair questions about the work Blair was doing. Id. at 70-76, 81-82 (Page ID #868-74, 879-880). As Blair testified, Stiltner could not read or write, and he had a “[r]eal short” attention span. Id. at 71, 75-76 (Page ID #869, 873-874).
The district court then heard from Gaither, who filed Stiltner’s habeas petition for him. Id. at 88 (Page ID #886). A year prior, Gaither also filed a post-conviction motion for Stiltner pursuant to Kentucky Rule of Civil Procedure 60.02. Id. at 101 (Page ID #899); see also R. 10-6 (App. Vol. IV at 8) (Page ID #254). Gaither explained that Stiltner never asked Gaither to help him; rather, it was Stiltner’s roommate, Tim Fancher, who reached out to Gaither and asked Gaither to work on Stiltner’s case. R. 84 (Tr. of Evidentiary Hr’g at 89) (Page ID #887). Other than accompanying Gaither to the mail room when Gaither sent documents to the court (which Stiltner was required to do because “an inmate has to be in the. mailroom to mail [his] own document^]”), Stiltner was not involved with any of the filings. Id. at 90-93 (Page ID #888-91). Stiltner did not even write the return address on the mail that Gaither sent to the court. Id. at 93 (Page ID #891).
When asked if he had ever seen Stiltner write anything other than his own name, Gaither testified that he had not. Id. at 94 [518]*518(Page ID #892). Gaither explained that Stiltner cannot even fill out a canteen sheet:
Q. Have you ever seen [Stiltner] print anything other than his name?
A. We have tried to get him to print things off his canteen sheet. We have to help him fill out his canteen sheets. But he really can’t even do that without us there. And say he wants to order cheese puffs, and we had to spell cheese puffs, like, “Roy, c-h-e-e-s-e p-u-f-f-s.” And he can write that down if we spell it for him or he can print it.
Q. But he can’t do it by himself?
A. He can’t do it by himself.
Id. Gaither further testified that Stiltner’s memory is so poor that he cannot identify items on the canteen sheet—such as coffee—that he has ordered every single month for years. Id. at 95-96 (Page ID #893-94). When asked if he thought Stilt-ner understood what was happening in his case, Gaither replied, “No, ma’am.” Id. at 92 (Page ID #890).
Finally, the district court heard from Stiltner. Stiltner’s testimony revealed that he had a very limited understanding of the proceedings and of the legal assistance that he had received. When asked if he knew what filing the evidentiary hearing concerned, Stiltner replied, “No.” Id. at 129 (Page ID #927). When asked if Blair ever filed anything on his behalf, Stiltner replied, “Not to my knowledge.” Id. When asked if Fancher (Stiltner’s roommate, who worked on Stiltner’s case before recruiting Gaither) ever filed anything on his behalf, Stiltner replied, “I don’t think so.” Id. And when asked if Gaither ever filed anything on his behalf, Stiltner said “Maybe.” Id. He also testified that, as best he could remember, he had not met with an attorney after pleading guilty in 1986. Id. at 137 (Page ID #935).
C. Dismissal and Appeal
The Magistrate Judge issued a report a few months after the hearing. R. 91 (R. & R.) (Page ID #1100). Applying a two-prong test, the Magistrate Judge first considered whether Stiltner was either unable “to personally understand the need to timely file” a habeas petition or was “unable personally to prepare a habeas petition and effectuate its filing.” Id. at 15 (Page ID #1114). Although Stiltner needed to meet only one of these conditions, the Magistrate Judge determined that Stiltner met both. Id. at 16 (Page ID #1115). The Magistrate Judge found the evidence of Stiltner’s mental incompetence convincing, and noted that the Warden had not introduced “any contrary medical records or testimony.” Id. at 17 (Page ID #1116). The Magistrate Judge was also persuaded by Blair’s- and Gaither’s “credible testimony” that they had initiated all of the filings. Id. at 17-18 (Page ID #1116— 17).
The Magistrate Judge then considered the second prong of the test: whether Stilt-ner had diligently pursued his rights. Id. at 18 (Page ID #1117). The Magistrate Judge determined that Stiltner had not. Id. The legal assistance that Stiltner received, the Magistrate Judge reasoned, severed the causal link between Stiltner’s mental incompetence and his failure to timely file a habeas petition. Id. The Magistrate Judge focused on two requests for information made on Stiltner’s behalf, one by Stiltner’s fellow inmate Blair requesting the factual contents of an investigation report and the other by a paralegal with Kentucky’s Department of Public Advocacy requesting legal records. Id. at 19 (Page ID #1118); see also R. 43-8 (Req. for Factual Contents of Investigation Report) (Page ID #533); R. 10-3 (App. Vol. I at 23) (Page ID #149). The Magistrate Judge [519]*519determined that these requests, together with two medical release forms that Stilt-ner had signed (forms that named a public defender as Stiltner’s attorney), established that Stiltner had legal assistance during the limitations period. R. 91 (R. & R. at 19) (Page ID #1118); see also R. 90-1 (Medical Release Forms) (Page ID #1098-99). Although there was no other evidence in the record of the Department of Public Advocacy’s involvement in Stilt-ner’s case during the limitations period, the Magistrate Judge found the requests and the medical releases sufficient:
Although Stiltner’s disability made it practically impossible for him to file his own petition, the record reveals three legally knowledgeable individuals [Blair, the paralegal, and the public defender] who were helping him on his case— whether he understood what they were doing or not—during the limitations period. Case law suggests that equitable tolling is unavailable under these circumstances.
R. 91 (R. & R. at 19) (Page ID #1118) (emphasis added).
The Magistrate Judge further determined that Blair’s Rule 11.42 motion to vacate, set aside, or otherwise correct Stiltner’s sentence based on Stiltner’s mental incompetence provided “another basis for finding that Stiltner was not diligently pursuing his rights.” Id. at 22 (Page ID #1121). The Magistrate Judge explained that the Rule 11.42 motion demonstrated not only that Stiltner had legal assistance, but also that the person providing this assistance—Blah’—was aware of Stiltner’s mental incompetence and therefore could have filed a habeas petition based on those grounds (although this ha-beas petition would have still been seven years late). Id. at 22-23 (Page ID #1121-22). The Magistrate Judge also noted that, as a result of Blair’s Rule 11.42 motion, the state assigned a public defender to Stilt-ner’s case. Id. at 23 (Page ID #1122). In 2006, that public defender asked Drogin to examine Stiltner. Id.; see also R. 84 (Tr. of Evidentiary Hr’g at 11) (Page ID #809). A year after that, in 2007, the public defender filed a supplemental pleading to Blair’s Rule 11.42 motion as well as a motion for equitable tolling and a motion for a court-ordered evaluation of Stiltner’s mental incompetency. R. 91 (R. & R. at 23) (Page ID #1122); see also R. 10-4 (App. Vol. II at 1) (Page ID #170). When the state court denied Blair’s Rule 11.42 motion, the public defender filed a notice of appeal in 2007 and a different public defender filed the actual appeal in 2008. R. 91 (R. & R. at 23) (Page ID #1122); see also R. 10-4 (App. Vol. II at 18, 20) (Page ID #187, 189). Thus, despite Stiltner’s severe mental incompetence, the Magistrate Judge recommended that the district court dismiss Stiltner’s petition as untimely. Recognizing that the second prong of the test presented a “close question,” however, the Magistrate Judge recommended that the district court issue a certificate of appealability. R. 91 (R. & R. at 18, 26) (Page ID #1117, 1126).
The parties filed objections to the Magistrate Judge’s report. The Warden objected only to the Magistrate Judge’s recommendation that the district court issue a certificate of appealability and only on the grounds that Stiltner received what the Warden called “extraordinary legal assistance.” R. 93 (Respt. Objs. to R. & R. at 1-2) (Page ID #1128-29). The Warden did not contest the Magistrate Judge’s finding that Stiltner is mentally incompetent. Id. Stiltner objected to the Magistrate Judge’s determination that he did not diligently pursue his rights. R. 94 (Petr. Objs. to R. & R. at 1) (Page ID #1131). Stiltner argued that the district court’s inquiry is limited to whether the petitioner diligently pursued his rights to the extent he could [520]*520understand them, and that the existence of filings that Stiltner had no involvement with (or even a basic understanding of) could not sever the causal link between Stiltner’s mental incompetence and his failure to timely file a habeas petition. Id. at 1-11 (Page ID #1131-41).
The district court adopted the Magistrate Judge’s recommendation, dismissing Stiltner’s petition as untimely but granting a certificate of appealability. R. 95 (Dist. Ct. Order at 1) (Page ID #1151). Stiltner timely appealed. R. 98 (Notice of Appeal) (Page ID #1158).
II. ANALYSIS
A. Equitable Tolling of AEDPA’s Statute of Limitations
AEDPA’s one-year limitations period is not a jurisdictional bar and is therefore subject to equitable tolling where a habeas petitioner “shows (1) that he has been pursuing his rights diligently, and (2) that some extraordinary circumstance stood in his way and prevented timely filing.” Holland v. Florida, 560 U.S. 631, 649, 130 S.Ct. 2549, 177 L.Ed.2d 130 (2010) (internal quotation marks omitted). Although we have held that equitable tolling should be applied “sparingly,” Solomon v. United States, 467 F.3d 928, 933 (6th Cir. 2006), we have also recognized the need for flexibility in equitable procedures, Jones v. United States, 689 F.3d 621, 627 (6th Cir. 2012) (citing Holland, 560 U.S. at 650, 130 S.Ct. 2549). “[Flexibility ... enables courts to meet new situations that demand equitable intervention, and to accord all the relief necessary to correct particular injustices.” Id. (quoting Holland, 560 U.S. at 650, 130 S.Ct. 2549). Thus, although our application of equitable tolling is restrained, we avoid rigid rules and consider equitable-tolling claims on a case-by-case basis. Id. (citing Holland, 560 U.S. at 650, 130 S.Ct. 2549).
“[T]he party asserting statute of limitations as an affirmative defense has the burden of demonstrating that the statute has run,” but “the petitioner bears the ultimate burden of persuading the court that he or she is entitled to equitable tolling.” Griffin v. Rogers, 308 F.3d 647, 653 (6th Cir. 2002). “Where the determinative facts are undisputed, the decision whether to apply equitable tolling is reviewed de novo.” Jones, 689 F.3d at 627 (citing Solomon, 467 F.3d at 932). The Warden does not contest any of the facts establishing Stiltner’s mental incompetence,2 and Stiltner does not contest any of the facts establishing that he had some legal assistance. The parties’ only dispute is whether, given those facts, Stiltner is entitled to equitable tolling. As part of this dispute, of course, the parties disagree as to whether Stiltner’s mental incompetence caused the delay. But in the context of equitable tolling, causation is not a fact—it is a legal determination based on facts. See Bilbrey v. Douglas, 124 Fed.Appx. 971, 973 (6th Cir. 2005) (reviewing petitioner’s equitable-tolling claim de novo where parties disagreed as to whether the petitioner had “establish[ed] a causal connection between her mental condition and her ability to file a timely petition” because, as the court explained, “[the] facts are undisputed and the district court’s decision to grant or deny equitable tolling involves only a ques[521]*521tion of law”). Because the facts are undisputed here, we review Stiltner’s equitable-tolling claim de novo.
B. Equitable Tolling for Mental Incompetence
In Ata v. Scutt, we recognized that a petitioner’s mental incompetence can constitute an extraordinary circumstance under Holland. 662 F.3d 736, 742 (6th Cir. 2011); see also McSivain v. Davis, 287 Fed.Appx. 450, 456 (6th Cir. 2008). In so holding, we fashioned the following test: “[t]o obtain equitable tolling of AEDPA’s statute of limitations on the basis of mental incompetence, a petitioner must demonstrate that (1) he is mentally incompetent and (2) his mental incompetence caused his failure to comply with AEDPA’s statute of limitations.” Holland, 662 F.3d at 742. We explained that “a blanket assertion of mental incompetence is insufficient to toll the statute of limitations.” Id. “Rather, a causal link between the mental condition and untimely filing is required.” Id. However, because Ata considered an equitable-tolling claim in the context of an appeal from a denial of -an evidentiary hearing, Ata stopped short of engaging in a full analysis of the claim, instead remanding the case to the district court. Id. at 745.
In need of additional guidance, the Magistrate Judge looked to Bills v. Clark, 628 F.3d 1092 (9th Cir. 2010), which addresses the requirements that we articulated in Ata. Bills sets forth a two-prong test for determining eligibility for equitable tolling due to mental incompetence:
(1) First, a petitioner must show his mental impairment was an “extraordinary circumstance” beyond his control, by demonstrating the impairment was so severe that either
(a) petitioner was unable rationally or factually to personally understand the need to timely file, or
(b) petitioner’s mental state rendered him unable personally to prepare a habeas petition and effectuate its filing.
(2) Second, the petitioner must show diligence in pursuing the claims to the extent he could understand them, but that the mental impairment made it impossible to meet the filing deadline under the totality of the circumstances, including reasonably available access to assistance.
Id. at 1099-1100 (emphasis in original) (internal citation omitted) (footnote omitted). Bills’s first prong fleshes out Ata’s requirement that a petitioner be mentally incompetent by explaining what kind of mental incompetence merits equitable tolling. Bills’s second prong fleshes out Ata’s requirement that there be a “causal link” between the mental incompetence and the delay by placing causation within the context of a totality-of-the-circumstances inquiry. The second prong also incorporates Holland’s requirement that a petitioner demonstrate that he diligently pursued his rights, while recognizing that a mentally incompetent petitioner can diligently pursue his rights only to the extent that he understands them. As Bills explains, “the ‘extraordinary circumstance’ of mental impairment can cause an untimely habeas petition at different stages in the process of filing by preventing petitioner from understanding the need to file, effectuating a filing on his own, or finding and utilizing assistance to file.” Id. at 1100. “Thus, a petitioner’s mental impairment might justify equitable tolling if it interferes with the ability to understand the need for assistance, the ability to secure it, or the ability to cooperate with or monitor assistance the petitioner does secure. The petitioner therefore always remains accountable for diligence in pursuing his or her rights.” Id. Accordingly, like the Magistrate Judge [522]*522and the district court, we apply both Ata and Bills to Stiltner’s claim.
1. Whether Stiltner is Mentally Incompetent
The Warden contends that Stiltner has not met the first prong of the test because Stiltner has not shown that he is mentally incompetent. Appellee Br. at 48-51. The Warden waived this argument by not raising it below. See R. 93 (Respt. Objs. to R. & R. at 1-2) (Page ID #1128-29). Parties who disagree with a Magistrate Judge’s recommendation must “file objections with the district court or else waive [the] right to appeal.” Souter v. Jones, 395 F.3d 577, 585 (6th Cir. 2005) (quoting United States v. Walters, 638 F.2d 947, 950 (6th Cir. 1981)). “[0]nly those specific objections to the [Magistrate Judge’s] report made to the district court will be preserved for appellate review.” Id. at 585 (quoting Smith v. Detroit Fed’n of Teachers, Local 231, 829 F.2d 1370, 1373 (6th Cir. 1987)). The Warden objected only to the Magistrate Judge’s recommendation that the district court issue a certificate of appealability and only on the basis that Stiltner received what the Warden called “extraordinary legal assistance.” See R. 93 (Respt. Objs. to R. & R. at 1-2) (Page ID #1128-29). The Warden did not object to the Magistrate Judge’s finding that Stilt-ner is mentally incompetent. Id. Thus, the Warden’s argument is waived.
Even if we were to consider the Warden’s argument, it is meritless. The Warden objects to Stiltner’s use of the term “mental retardation,” R. 17 (Am. Ha-beas Pet. at 15) (Page ID #350), because, as the Warden argues, “[m]ental retardation ... is not evidence of incompetency,” Appellee Br. at 50. But the question is not what term Stiltner uses in his habeas petition; the question is what Stiltner’s evidence shows. And Stiltner’s evidence shows that he is mentally incompetent— that he is “unable rationally or factually to personally understand the need to timely file” and “unable personally to prepare a habeas petition and effectuate its filing.” Bills, 628 F.3d at 1100.
2. Whether Stiltner Diligently Pursued His Claims
In addition to demonstrating mental incompetence, a petitioner must show that “his mental incompetence caused his failure to comply with AEDPA’s statute of limitations.” Ata, 662 F.3d at 742. Under Holland, a petitioner must also show that he has been pursuing his rights diligently. Holland, 560 U.S. at 649, 130 S.Ct. 2549. Combining these two requirements, Bills’s second prong provides that “[a] petitioner must show diligence in pursuing the claims to the extent he could understand them, but that the mental impairment made it impossible to meet the filing deadline under the totality of the circumstances, including reasonably available access to assistance.” Bills, 628 F.3d at 1099-1100.
Bills’s second prong considers Ate’s causation requirement and Holland’s diligence requirement together because they serve the same purpose in this context. The causation requirement ensures that “[the petitioner’s] mental incompetence caused his failure to comply with AEDPA’s statute of limitations”—in short, that there is not another reason for the delay that would render equitable tolling inappropriate. Ata, 662 F.3d at 742 (emphasis added). The diligence requirement focuses on a specific reason that would render equitable tolling inappropriate: negligence. Holland, 560 U.S. at 649, 653, 130 S.Ct. 2549. And because both the causation requirement and the diligence requirement are “highly fact-dependent,” Bills, 628 F.3d at 1097, Bills considers them within the context of a totality-of-the-circumstances inquiry—an inquiry that both acknowledges the impor[523]*523tance of access to assistance and recognizes that a petitioner can diligently pursue his claims only to the extent that he understands them, id. at 1099-1100.
The evidence in this case shows that Stiltner barely understood his claims, if he understood them at all. Drogin testified that Stiltner’s IQ score on the WAIS was “within a range that is typically associated with what [clinical psychologists previously] called ‘mental retardation’ and currently refer to as ‘intellectual disability.’ ” R. 84 (Tr. of Evidentiary Hr’g at 15) (Page ID #813). The evidence demonstrates that this intellectual disability is severe. In addition to being unable to read or write, Stiltner has an extremely poor memory, an attention span of “seconds,” and significant difficulty organizing his thoughts and understanding even simple logical relationships. Id. at 28, 34-35, 71, 75-76, 96, 100 (Page ID #826, 832-33, 869, 873-874, 894, 898). Stiltner is also severely limited in his ability to process language. In discussing the ramifications of this limitation, Drogin testified: “A person who doesn’t understand what is being said to him will be at a significant disadvantage in attempting to obtain assessments, in attempting to understand what other people are telling him in any variety of business or social or legal or other context[s].” Id. at 26 (Page ID #824).
Stiltner’s mind, according to Blair and Gaither, who have both spent a considerable amount of time with Stiltner, is like that of a very young child. Id. at 82, 96 (Page ID #880, 894). Not surprisingly, Blair and Gaither testified that Stiltner never told them to file anything on his behalf; rather, Blair and Gaither filed documents on their own accord. Indeed, the closest Stiltner ever came to asking for assistance was when Stiltner approached Blair and said, “I was—I get something done on mine.” Id. at 67 (Page ID #865). Other than that, Stiltner never asked for legal help. He did not even ask basic questions about the work that Blair and Gaither were doing for him. The extent of Stilt-ner’s involvement was listening to Blair read him legal documents that he could not understand and accompanying Gaither to the prison mail room. Id. at 70-76, 81-82, 90-92 (Page ID #868-74, 879-880, 888-89). In short, the diligence that Stiltner could exercise was extremely limited.
Our analysis, however, does not end here. The inquiry into diligence also considers a petitioner’s “reasonably available access to assistance.” Bills, 628 F.3d at 1099-1100. We consider legal assistance because legal assistance—whether in the form of an attorney or a “ ‘jailhouse lawyer’—an inmate who assists other prisoners with legal filings”—makes it easier for a petitioner to timely file a habeas petition. Id. at 1101. Accordingly, if a petitioner had access to legal assistance but did not timely file a petition, we might conclude that the petitioner was not diligent in pursuing his claims. Id. Access to legal assistance, therefore, can be an important factor. Id. Indeed, a number of courts have found it to be the factor on which an equitable-tolling claim turns. See, e.g., Brown v. McKee, 232 F.Supp.2d 761, 768 (E.D. Mich. 2002) (stating that “[t]he exceptional circumstances that would justify equitable tolling on the basis of mental incapacity are not present when the party who seeks the tolling has been able to pursue his or her legal claims during the period of his or her alleged mental incapacity”); see also McSwain, 287 Fed.Appx. at 457 (noting that the record evidence indicated that the petitioner “was able to pursue both direct and collateral challenges to her conviction in the state courts notwithstanding her mental illness”); Price v. Lewis, 119 Fed.Appx. 725, 726-27 (6th Cir. 2005) (denying equitable tolling based- on mental illness where the habeas petitioner had actively [524]*524pursued his claims during the limitations period).
The legal assistance in this case is not insignificant. The record shows that Stilt-ner had access to legal assistance as early as two years before the filing deadline. In 1995, Blair filed a form requesting the factual contents of an investigation report. R. 84 (Tr. of Evidentiary Hr’g at 69-70) (Page ID #867-68); see also R. 43-8 (Req. for Factual Contents of Investigation Report) (Page ID #533). In 1996, a paralegal with Kentucky’s Department of Public Advocacy sent a letter to a circuit court clerk requesting legal records for post-conviction purposes. R. 10-3 (App. Vol. I at 23) (Page ID #149). The record also contains two medical release forms, both of which Stiltner signed within the limitations period—one on May 22, 1996 and one on March 26,1997—that list a public defender as Stiltner’s attorney. R. 90-1 (Medical Release Forms) (Page ID #1098-99). The forms also refer to the same paralegal who sent the letter requesting legal records as the public defender’s associate. Id.
Stiltner had legal assistance after the limitations period as well. In 2004, Blair filed a Rule 11.42 motion to vacate, set aside, or correct Stiltner’s sentence based on Stiltner’s mental incompetence. R. 84 (Tr. of Evidentiary Hr’g at 68) (Page ID #866); see also R. 1-8 (Rule 11.42 Mot.) (Page ID #53). A year later, as a result of the Rule 11.42 motion, Kentucky appointed a public defender to represent Stiltner, R. 10-3 (App. Vol. I at 38) (Page ID #164). In 2006, that public defender asked Drogin to examine Stiltner. See R. 84 (Tr. of Eviden-tiary Hr’g at 11) (Page ID #809). A year after that, in 2007, the public defender filed a' supplemental pleading to the Rule 11.42 motion, as well as a motion for equitable tolling and a motion for a court-ordered evaluation of Stiltner’s mental incompetency. R. 10-4 (App. Vol. II at 1) (Page ID #170). When the state court denied Blair’s motion to vacate, the public defender filed a notice of appeal. Id. at 18 (Page ID #187). A different public defender filed the actual appeal in 2008. Id. at 20 (Page ID 189). In 2012, Stiltner’s fellow prisoner Gaither filed a post-conviction motion pursuant to Kentucky Rule of Civil Procedure 60.02. See R. 84 (Tr. of Evidentiary Hr’g at 101) (Page ID #899); see also R. 10-6 (App. Vol. IV at 8) (Page ID #254).
The availability of legal assistance, however, “is only part of the overall assessment of the totality of circumstances that goes into the equitable determination.” Bills, 628 F.3d at 1101. And here, it is not a persuasive part because the reason that we care about the availability of legal assistance—that legal assistance makes it easier for a petitioner to timely file a habe-as petition—does not apply with the same force where the petitioner cannot direct the assistance in even the most fundamental ways. Given that Stiltner barely understood his claims, if he understood them at all, it is unfathomable that he would be able to conceive of the need to timely file a habeas petition and then, given his extremely short attention span and poor memory, that he would be able to monitor the legal assistance provided for him by a fellow prisoner or an attorney to make sure that they met'the relevant deadline. Stiltner’s testimony at the evidentiary hearing is revealing:
Q. Mr. Stiltner, did a lot of people put' a lot of things in front of you and tell you to sign them?
A. Yeah. Yeah, they did.
Q. Did you know what you were signing all the time?
A. Not—no, not all the time.
Q. Would you say most of the time you knew what you were signing?
[525]*525A. Well, I didn’t, no. I—I couldn’t read, so I couldn’t have understood it.
Q. So people might tell you something but you had to rely on that person, whoever it was?
A. Yeah.
Q. Okay. Can you tell me what “dispute” means, Mr. Stiltner.
A. What?
Q. “Dispute,” what does that mean?
A. I don’t know.
Q. Can you tell me what “incompetent” means?
A. In common?
Q. Incompetent.
A. Incompetent. No.
Q. Can you tell me what it means to “serve” someone?
A. Serve. No.
R. 84 (Tr. of Evidentiary HFg at 185-86) (Page ID #983-94). If Stiltner could barely understand the need for legal assistance, let alone monitor that assistance, the assistance itself cannot demonstrate that Stiltner could have timely filed a ha-beas petition. See, e.g., Jones v. Cate, 590 Fed.Appx. 701, 702 (9th Cir. 2015) (holding that the district court erred in finding a lack of diligence based on the petitioner’s multiple state habeas petitions and the fact that the petitioner sought assistance from other inmates to draft correspondence, complete paperwork, and file prison grievances—as “the only inference which arises [from these facts] is that [the petitioner] was incapable of asking for help in filing a federal habeas petition”); Jones v. Palmer, No. 3:11-CV-00467-MMD, 2015 WL 56052, at **1-2, 5 (D. Nev. Jan. 5, 2015) (finding that the petitioner had exercised reasonable diligence in pursuing his claims to the extent that he was capable where petitioner’s fellow prisoners made several state and federal filings on his behalf). Indeed, the Warden acknowledged at oral argument that a petitioner is entitled to equitable tolling if that petitioner’s mental incompetence is so severe that he cannot cooperate with or monitor the fellow prisoners or the attorneys who are helping him. Of course, the Warden maintained that Stiltner could cooperate with and monitor the assistance he had, but we disagree given the evidence discussed above. Thus, we find that, given the totality of the circumstances, Stiltner diligently pursued his claims to the extent that he could understand them. See Bills, 628 F.3d at 1100. Indeed, that is exactly what Stiltner was doing when he said to Blair, “I was—I get something done on mine,” R. 84 (Tr. of Evidentiary Hr’g at 67) (Page ID #865), when he listened to Blair read him legal documents, id. at 73 (Page ID #871), and when he accompanied Gaither to the mail room, id. at 90-91 (Page ID #888-89).
We emphasize what we do not hold. We do not hold that a finding of mental incompetence obviates the need to inquire into causation—or more specifically, into diligence. As we observed in Ata, “a blanket assertion of mental incompetence is insufficient to toll the statute of limitations”—we require a causal link between the mental incompetence and the delayed filing. 662 F.3d at 742. Nor do we hold that, within our inquiry into diligence, the availability of legal assistance is unimportant. Legal assistance is, “in many circumstances[,] ... highly relevant to the question of whether a petitioner’s mental condition made it impossible to file a timely petition.” Bills, 628 F.3d at 1101. But it is not highly relevant in these circumstances (and it is not dispositive in any circumstances). Id. What we do hold is that given the specific facts of this case, in particular Stiltner’s severe mental incompetence— which left him unable to monitor the assistance he had in even the most. basic [526]*526ways—the district court erred in denying equitable tolling.
III. CONCLUSION
For the reasons stated above, we REVERSE the district court’s dismissal of Stiltner’s habeas petition as untimely and REMAND for further proceedings.