Collecting Insomnia Disability Benefits Is A Reality
Insomnia is a medical condition which has been contributing to a significant number of short and long term disability claims over the last few years. The medical and legal challenge we often encounter with Insomnia disability claims is whether Insomnia is a mental or physical disability. If it is considered a mental condition then most ERISA governed group disability policies will attempt to limit disability benefits to a two year maximum benefit period. Insomnia is a very disabling condition, because if a person cannot sleep at night, then how could they possibly have the mental capacity to complete their duties during an 8 hour work shift the next day. Disability carriers will argue that with the proper sleep medication, a person can be cure from Insomnia. In some cases this is true, but not every case. The side effects of drugs like Ambien and Lunesta cause more harm than good for some people. It is a horrible situation for people with insomnia and it is even worse when a disability carrier try to argue that the person should be able to return to work without any problems. Insomnia is a subjective condition and there are very few test which can verify the condition. There are sleep study test, but the sleep study test are subjective and not designed to deal exclusively with Insomnia.
We recommend that all of our client with insomnia treat with a board certified sleep specialist. Most claimants are not aware that a sleep specialist doctor exist. We have worked with the some of the best sleep doctors in the country and we know what it takes to properly document medical support for a person with insomnia. Insomnia is a chronic problem which prevents millions of people each year from performing their jobs with reasonable continuity. Many of our clients disabled by insomnia have additional disabling conditions which contributed to their inability to work. Insomnia often coincides with other disabling conditions such as anxiety and depression, neurologic disease, sleep disorder, pain disorders, respiratory conditions, urinary disorders, and gastrointestinal disorders.
Our disability insurance attorneys have been helping disability insurance claimants since 1979 and we invite you to contact us for a free consultation to discuss your disability claim. We can help with the application for benefits, ERISA appeal, or filing of a lawsuit in any federal court nationwide.
Check back on this page for updated information about insomnia and disability insurance. We add new stories regularly as well as information about resolved cases that might be relevant to you.
Resources on Insomnia and Sleep Disorders
Resources to Help You Win Disability Benefits
Submit a Strong Appeal Package
We work with you, your doctors, and other experts to submit a very strong appeal.
Sue Your Disability Insurance Company
We have filed thousands of disability denial lawsuits in federal Courts nationwide.
Get Your Disability Application Approved
Prevent a Disability Benefit Denial
Negotiate a Lump-Sum Settlement
Our goal is to negotiate the highest possible buyout of your long-term disability policy.
Well Documented correspondence
They closed my claim and I have been without income since they closed it
Bad Faith
Denied by Hartford after 20 years of Payments
Standard insurance just dropped me with no communication with me.
Reply
What a mess
Reply
I was disabled 2003 by SS. I got SSDI 7 years too late.
Only care about $$$$$
Reply
Disability Benefit Denial Reason #4 - Your Doctor Is Misled By the Disability Company
Disability Benefit Denial Reason #3 - Video & Social Media Surveillance
How Do You Fight a Long-Term Disability Denial?
Disability Denial Reason #2 - Change of Disability Definition & Vocational Review
Disability Denial Reason #1 – Paper Review & IME
How to Apply for Reliance Standard Disability Benefits & Top 5 Reasons for a Claim Denial
Applying for Standard Disability Benefits? Top 5 Claim Denial Reasons
Guardian Disability Benefit Claim Handling Tips
Lincoln Approves Long Term Disability Benefits After Four Year Fight
MetLife Removes 24 Month Limitation for Mental Health Condition for Financial Advisor
Lincoln Financial Overturns Denial of ERISA Long Term Disability Claim for Dell Disability Lawyers Client, But There Is A Catch
A Liberty Life Disability Benefit Denial is Reversed after ERISA Appeal filed by Attorney Alex Palamara of Dell Disability Lawyers
MetLife Reinstates Benefits to Financial Advisor Suffering From Restless Leg Syndrome & Insomnia
How does Reliance Standard deny long term disability benefits after paying for three years?
Louisiana State College Director Wins Unum LTD Appeal But Then Denied Again
FPL Lineman Wins Lincoln Disability Denial Appeal
Reviews from Our Clients






