Collecting Depression Or Anxiety Disability Benefits Is A Reality

One of the most difficult disabling conditions to prove is depression or anxiety. Disability insurance providers often challenge these claims because there is no objective test that can prove someone is depressed. People diagnosed with depression usually look normal on the exterior; however, their ability to function and perform in a work environment with reasonable continuity is severely limited. In a disability claim, the insurance company will rely on a hired psychologist or psychiatrist to determine if the claimant has restrictions and limitations caused by depression or anxiety. Often, a claimant’s treating psychologist or psychiatrist will not take thorough notes, and the insurance company will state that the claimant’s doctor has not documented any restrictions or limitations. We have handled thousands of disability claims dealing with depression and anxiety. Let’s talk about how our experience can help you.

We also see disability companies argue: “If your depression was so debilitating, why were you not hospitalized?” The disability carriers will sometimes arrange for the claimant to submit to a two-day neuropsychological examination and another exam with a forensic psychiatrist. In 8 out 10 times, these hired guns will decide that the claimant is not disabled and can return to work. The neuropsychological testing is also used be insurance companies in an effort to prove malingering or exaggeration of symptoms. It is important to hire a law firm that has experience in dealing with neuropsychological testing and depression disability claims. Claimants need to be aware that most ERISA governed disability policies and many individual disability policies will limit mental nervous claims to two years of benefits only. In many of our cases, if a person has an physically disabling condition, then we will attempt to prove that the depression or anxiety is secondary to the physical condition. This argument can allow a disability claim to extend beyond two years.

Our Experience with Disability Insurance Claim for Depression and Anxiety

Our disability insurance lawyers have recovered benefits for hundreds of claimants with depression or anxiety. Here are some examples of our resolved cases for claimants with depression or anxiety:

Our Lawyers Handle Depression Claims Daily

Depression is one of the most common psychological problems for a short or long term disability claim. One in six Americans has been diagnosed with depression. Depression is a chronic medical illness that does not just affect the mind but also the body, affecting how you think, feel and behave. There are several distinct types of depression including:

  • Major Depressive disorder
  • Dysthymic disorder
  • Manic depression
  • Atypical depression
  • Chronic depression
  • Double depression
  • Endogenous depression
  • Situational depression or Reactive depression
  • Agitated depression
  • Psychotic depression
  • Melancholic depression
  • Catatonic depression
  • Post-partum depression

Depression is rarely an isolated condition. People with depression often suffer from other conditions, injuries, illnesses or disabilities, including heart disease, diabetes, Parkinson’s, HIV/AIDS and cancer.

Symptoms of Claimants Seeking Disability as a Result of Depression

People suffering from depression may exhibit some of the following symptoms:

  • Loss of interest in a normal activities
  • Persistent feeling of sadness
  • Insomnia
  • Significant weight loss or gain
  • Suicidal thoughts and behavior
  • Slowed thinking
  • Indecisiveness
  • Distractibility
  • Decreased concentration
  • Fatigue
  • Loss of energy

These symptoms make even the smallest tasks seem overwhelming. Workers suffering from depression could be entitled to benefits if their condition makes working a regular schedule impossible.

If you have more questions about receiving benefits for your depression, contact our disability insurance lawyers for a free consultation. Schedule a free consultation with us, and we will give you an assessment of your best options. We handle cases in all 50 states.

The following resources provide additional information about depression and anxiety:

For updates about depression and disability insurance, check this page for news. We provide a feed of information that could be relevant to your benefits.

Resources to Help You Win Disability Benefits

Disability Benefit Denial Options
Submit a Strong Appeal Package

We work with you, your doctors, and other experts to submit a very strong appeal.

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We have filed thousands of disability denial lawsuits in federal Courts nationwide.

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We help claimants throughout the entire application process.

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Prevent a Disability Benefit Denial
We manage every aspect of your disability claim following claim approval.

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Negotiate a Lump-Sum Settlement

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Disability Company Reviews
(642)
Showing 8 of 642 Reviews
Sedgwick

AT&T Was Great and Sedgwick Horrible

Reviewed by From a great job to a complete nightmare on March 20th 2024   Verified Policyholder | March 2024 date of disability
My Physician recommended that I take some time from a toxic environment after several deaths in my family coupled with AT&T trying to run tenured employees out of the door... read more >
New York Life

Keeps claiming they will not approve claim for pre existing conditions but my illness is not preexisting

Reviewed by M.T. on February 15th 2024   Verified Policyholder | May 2023 date of disability
I have been appealing a claim for LTD for 8 months! New York Life keeps claiming they will not approve claim for pre existing conditions but my illness is not preexisting ... read more >
Reliance Standard

Staff Lie

Reviewed by Tanya on February 12th 2024   Verified Policyholder | August 2021 date of disability
I had my disability cut off the day I was scheduled to find out whether I should have surgery. The claims examiner was aware that I had an appointment on that date and sai... read more >
Reply
Sent on February 12th 2024 by Attorney Gregory Dell

I am sorry to hear about your experience. It’s crazy that Reliance Standard would deny your disability benefits when you are suffering so badly that you need surgery.... read more >

Hartford

Former Hartford employee has had life insurance and accidental death policy's revoked for one late premium payment

Reviewed by Becky H. THOMAS on February 12th 2024   Verified Policyholder | February 2024 date of disability
Dislike how they are constantly interrupting the lives of their disabled EE's whom are entitled to benefit which they paid into out of there pay check every pay period onl... read more >
Reply
Sent on February 12th 2024 by Attorney Gregory Dell

Thank you for your review of Hartford and we appreciate you sharing.  It’s sad they don’t take care of their own employees.

Lincoln Financial

Never received benefits my entire leave - or help with them

Reviewed by Anna on December 19th 2023   Verified Policyholder | November 2023 date of disability
I used my short term disability insurance for maternity leave and started the process beforehand knowing when I would be out (scheduled induction.) It took a little over a... read more >
Sun Life

Unscrupulous Tactics

Reviewed by Misseekayy on December 19th 2023   Verified Policyholder | May 2023 date of disability
Sunlife uses unscrupulous tactics in order to prevent payment of claims. They wait until it is close to the 30 day mark and then they ask for another form of information o... read more >
MetLife

I’m not disabled in MetLife’s eyes, even though I cannot do daily tasks and am on over 5 medicines.

Reviewed by Jennifer on May 4th 2013   Verified Policyholder
I have worked for my work for over 4 years. During working for this company I learned I have bipolar, anxiety, and depression. I have gone out of work about 4 times for th... read more >
Reply
Sent on May 4th 2013 by Attorney Gregory Dell

Jennifer, You will need to file an appeal of your MetLife disability denial. Your disability policy should tell you the time frame within which you need to file an appe... read more >

Hartford

After all the fraud and stress they put us through, Hartford should get investigated

Reviewed by Gloria Morley on August 22nd 2011   Verified Policyholder
I also have been denied, they let me receive STD for six months. They told me I would have to apply for SSD and when – and if – I got it I would have to pay them back ... read more >
Answered Questions by Our Lawyers
(11)
Showing 8 of 11 Answered Questions

Q: Do I have an option after my appeal is denied?

Answered on April 10th 2024 by Attorney Gregory Dell
A: Lauren:If your appeal is denied by MetLife then you have the option to file lawsuit in federal court. Read More >

Q: What do I do if LF denied my claim because depression is "mild, not severe"?

Answered on May 7th 2020 by Attorney Rachel Alters
A: Anna, you will need to consult with your treating doctors and submit additional evidence of your medical condi... Read More >

Q: Can Met Life legally require notes from therapy sessions?

Answered on October 14th 2019 by Attorney Rachel Alters
A: Mike, I would be happy to speak with you about your daughter’s Met Life claim. Please email me at rachel@dia... Read More >

Q: Does SunLife have a required time to make a decision? Can they request medical records that have nothing to do with my illness?

Answered on February 19th 2019 by Attorney Gregory Dell
A: Megan, in an ERISA governed claim Sun Life would have 45 days to make a decision and have the option of taking... Read More >

Q: Can MetLife request a second IME if I already have one that agreed with my dr's?

Answered on November 2nd 2017 by Attorney Stephen Jessup
A: Casandra, although it is not common for two IMEs in such a short period of time, due to the fact it is a STD c... Read More >

Q: Should I write an appeal letter? What should it include?

Answered on March 3rd 2017 by Attorney Jay Symonds
A: Cam, if you are still within your 180 timeline to file an appeal it is imperative that you go through the appe... Read More >

Q: Does the 180 day countdown (to appeal) start when they tell me I'll receive 24 month of benefits or when they actually cut me off?

Answered on January 13th 2017 by Attorney Stephen Jessup
A: D.D., that can depend on the information they have sent you. Sometime they require an appeal to occur 180 days... Read More >

Q: Are anxiety and depression considered disabilities? If so, what is the likelihood of winning a claim, and should I have an attorney handle it?

Answered on November 14th 2014 by Attorney Stephen Jessup
A: The application for benefits under a private disability insurance policy is without a doubt the most important... Read More >
Helpful Videos
(889)
Showing 12 of 889 Videos
Disability Benefit Tips
(331)
Showing 8 of 331 Benefit Tips

Why Must Your Disability Insurance Lawyer Understand Your Disabling Condition?

When it comes to securing your long term disability benefits, it's vitally important that you... Read More >

Disability Benefit Denial Reason #5 – Your Medical Evidence is Weak

If you're seeking long term disability benefits from an insurance company, you may be concern... Read More >

Disability Benefit Denial Reason #4 - Your Doctor Is Misled By the Disability Company

When you're seeking disability benefits under a long term disability policy, your medical rec... Read More >

Disability Benefit Denial Reason #3 - Video & Social Media Surveillance

One thing many long term disability claimants don't know about (or expect) from the claims re... Read More >

How Do You Fight a Long-Term Disability Denial?

Getting a denial letter from your disability insurance company is one of the ultimate insults... Read More >

Disability Denial Reason #2 - Change of Disability Definition & Vocational Review

One of the top reasons for terminating a claimant's long term disability benefits involves th... Read More >

Disability Denial Reason #1 – Paper Review & IME

At Dell Disability Lawyers, we've seen insurance companies give countless reasons to deny lon... Read More >
Dell Disability Cases
(375)
Showing 8 of 375 Dell Disability Cases

Engineer With Depression Wins Prudential LTD Appeal

The claimant is a former Senior Technology Services Engineer for Accolade, Inc. who was force... Read More >

Dell Disability Lawyers Win Disability Insurance Appeal Against Prudential for KPMG Employee

Our client, a former Managing Director - Tax Consultant for KPMG contacted our office after h... Read More >

Cigna Finally Approves Claim for LTD Benefits for Former Nurse Employed at Hollywood Presbyterian Medical Center

Our client was previously employed as a Registered Nurse at Hollywood Presbyterian Medical Center in California. She worked faithfully there s... Read More >

Liberty Reinstates Long Term Disability Benefits for the Second Time

Our client, a former Liberty Mutual employee, has had a less than ideal experience with Liberty - both as an employee and as a recipient of di... Read More >

Senior Global Tax Director for billion dollar worldwide industrial company is again receiving disability benefits from MetLife after Appeal by Attorney Alexander Palamara

To say my client had an intellectually demanding job is an understatement. The corporation he worked for operates in 35 countries and employs ... Read More >

CIGNA overturned previous denial of both long term disability benefits for Massachusetts IT Procurement Specialist

Our client, Ms. K, formerly worked as an IT Procurement Specialist for a large international technology company, which required “sedentary... Read More >

CIGNA overturned its previous denial of both short term and long term disability benefits for Michigan Senior Personal Banker

Our client, Ms. C, formerly worked as a Senior Personal Banker for a large national bank, which required “light” work functional capabilit... Read More >
Disability Lawsuit Stories
(765)
Showing 8 of 765 Lawsuit Stories

Unum Wrongfully Terminated Disabled Lawyer’s Disability Claim of Depression and Anxiety Despite Improvement in His Condition

This Unum lawsuit and appeal in federal court is a great victory for all Unum disability claimants. This ca... Read More >

Programmer Denied LTD Benefits by MetLife Upheld by Court

In the case of Robert Gordon v. Metropolitan Life Insurance Company (MetLife), Plaintiff was a Senior Staff Systems Programmer ... Read More >

Met-Life Denies Benefits when Claimant Fails to Present Evidence to Support His Claim

The case of Dionisio Santana-Diaz v. Metropolitan Life Insurance Company (MetLife) demonstrates how important it is for claimants to present a... Read More >

Court Rejects Expanded Mental Illness Limitation to Coverage

In Jarillo v. Reliance Standard Life Ins. Co., Judge Michael M. Anello of the United States District Court of the Southern District of Califor... Read More >

First Circuit Finds for Plaintiff and Awards Retroactive Mental Health Benefits

In Jane Doe v. Standard Insurance Company, plaintiff Doe spent more than 25 years as an environmental attorney for a Maine law firm prior to b... Read More >

Florida Court Upholds Hancock's Termination of Long Term Care Benefits

In Carr v. John Hancock Life Insurance Co., plaintiff David Carr, a former Shell employee, suffered from a number of illnesses including anxie... Read More >

Do Not Sleep on Your Rights to Disability Benefits

In a recent case out of New York, the court found that the Plaintiff did not provide a good enough reason for failing to timely file his ERISA... Read More >

Reviews from Our Clients

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5 Ways We Help Get Your Benefits Paid

Get Your Disability Application Approved

Our goal is to get your application for disability income benefits approved. Applying for disability benefits can be a difficult process and the information you provide is critical. Most disability insurance companies look at your application in hopes of finding a reason to deny your claim. Your disability company will ask you to complete numerous forms, interview you, request lots of information, speak with your doctors and possibly request to have you examined by their "hired gun" doctor.

Through our experience of having helped thousands of disability insurance claimants, our lawyers will guide you through the entire application process and give you the best chance to get your disability claim approved the first time.

Submit A Strong Appeal Package

If your disability insurance benefits have been wrongfully denied, then our lawyers know exactly what it takes to get your disability claim approved. You only get once chance to submit an Appeal, therefore every piece of evidence that will support your disability claim must be included. The goal is to win your disability benefits at the Appeal level, but while preparing your Appeal you must consider how a federal judge will review your disability claim if your benefit denial is upheld.

Preparing a strong disability appeal package is an art that requires you to understand how the courts interpret your disability policy language, ERISA regulations / laws, and how to strategically present evidence in support of your definition of "disability". We encourage you to contact any of our lawyers for a free immediate review of your disability denial.

Sue Your Disability Company

98% of the disability insurance lawsuits filed by our law firm have resulted in either the payment of benefits or a lump-sum settlement agreement. Our disability lawyers have filed ERISA governed and private policy long term disability insurance lawsuits against every major disability insurance company in state and federal courts nationwide and we love fighting for the "little guy" against the multi-billion dollar insurance company giants.

We have recovered hundreds of millions of dollars for our clients and we would like the opportunity to provide you with a free review of your disability benefit denial. There are many complex factors in a disability benefit lawsuit and the legal battle to win long term disability benefits can be fierce.

Prevent A Disability Benefit Denial

Approval of long-term disability is a continuous process as every disability insurance company will evaluate your eligibility for benefits on a monthly basis. You can never let your guard down and assume that your disability company will continue to pay your benefits for as long as you think you need them.

Our law firm offers a reasonable flat fee monthly claim handling service in which we handle every aspect of your long-term disability claim and do whatever it takes to make sure you are paid every month.

Negotiate a Lump-Sum Settlement

Let's discuss if a lump-sum settlement or buyout of your disability insurance claim is both available and makes financial sense for you. Our lawyers have negotiated more than five-hundred million dollars in disability insurance buyouts and we know how to get you a maximum settlement. A disability insurance company is not required to offer a buyout and not every disability company offers them.

Questions About Hiring Us

Who are Dell Disability Lawyers?

We are disability insurance lawyers that know how to get your short or long term disability benefits paid. As a nationwide law firm we have helped thousands of disability insurance claimants throughout the United States to collect hundreds of millions of dollars of disability insurance benefits from every major disability insurance company.

In more than 98% of our cases, our lawyers have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement. Our lawyers have seen it all when it comes to disability insurance claims and we know exactly what it takes for your disability claim to be approved.

We welcome you to contact any of our attorneys for a free immediate review of your disability claim. We also invite you to visit and subscribe to our YouTube channel where we have more than 700 videos and regularly provide tips to help protect your disability benefits.

Who do you help?

Our lawyers help individuals that have either purchased a long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer. We have helped individuals in almost every type of occupation with monthly disability benefit payments ranging from $1,500 to $50,000.

Our clients include all types of employees ranging from retail associates, sales representatives, government employees, police officers, teachers, janitors, nurses, pilots, truck drivers, financial advisors, doctors, dentists, veterinarians, lawyers, consultants, IT professionals, engineers, professional athletes, business owners, and high level executives.

A strong understanding and presentation of the duties of your occupation is essential for securing disability insurance benefits.

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via phone, email, fax, GoToMeeting sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-698-9159 or by email. Lawyers and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.