Collecting PTSD Disability Benefits Is A Reality

Disability insurance carriers often deny the limitations caused by Post Traumatic Stress Disorder (PTSD). How can disability insurance attorneys Dell & Schaefer assist you with a PTSD claim for disability benefits?

As disability attorneys, Dell & Schaefer have represented numerous long term disability claimants that have been unable to work as a result of post traumatic stress disorder (PTSD). In many of the PTSD claims we handled we often see disability carriers attempt to deny a PTSD claim based upon the act of war exclusion in most disability insurance policies.

It is not unusual for a person disabled by PTSD to become unable to work many months or even years after the traumatic event that contributes to the PTSD diagnosis. As a result, many disability insurance companies will wrongfully argue that there is nothing wrong with you since you have been able to work for so many months or years after your traumatic event. For example, our firm represents numerous 9/11 World Trade Center survivors that attempted to work for several months or even years after the 9/11 attacks. Most of the 9/11 claimants we represent continue to have significant limitations and restrictions as a result of PTSD.

Disability Attorneys Dell & Schaefer have an expansive understanding of the significant restrictions and limitations that a person suffering with post traumatic stress disorder must live with on a daily basis. We have worked closely with top physicians in order to sufficiently satisfy a disability carrier’s threshold of evidence necessary to prove that a client is disabled by suffering from post traumatic stress disorder.

Not everyone suffering from post traumatic stress disorder qualifies for long-term disability benefits; therefore the medical records of each client must be reviewed to determine the level of restrictions. We welcome the opportunity to discuss your long-term disability claim. You can contact us for a free initial consultation.

Post-traumatic stress disorder (PTSD) is a type of anxiety disorder that’s triggered by a traumatic event.

Many people who are involved in traumatic events have a brief period of difficulty adjusting and coping. Normally with time and healthy coping methods, these traumatic reactions usually improve. In some cases, though, the symptoms can get worse or last for months or even years. In these cases, a person may have post-traumatic stress disorder.

Getting treatment as soon as possible after post-traumatic stress disorder symptoms develop may prevent PTSD from becoming a long-term condition.

Researchers are still trying to better understand what causes someone to get post-traumatic stress disorder. As with most mental illnesses, post-traumatic stress disorder is probably caused by a complex mix of an inherited predisposition to psychiatric illness, the amount and severity of trauma a person has experienced and the way your brain regulates the chemicals and hormones releases in response to stress.

People of all ages can have post-traumatic stress disorder. Approximately 7.7 million Americans, aged 18 and older suffer from post traumatic stress disorder. Post-traumatic stress disorder is especially common among those who have served in combat, and it’s sometimes called “shell shock,” “battle fatigue” or “combat stress.”

Women are four times more likely than men to develop PTSD. Experts believe this is because women are at increased risk of experiencing the kinds of interpersonal violence, such as sexual violence, which can lead to PTSD.

People of all ages can have post-traumatic stress disorder. Approximately 7.7 million Americans, aged 18 and older suffer from post traumatic stress disorder. Post-traumatic stress disorder is especially common among those who have served in combat, and it’s sometimes called “shell shock,” “battle fatigue” or “combat stress.”

Women are four times more likely than men to develop PTSD. Experts believe this is because women are at increased risk of experiencing the kinds of interpersonal violence, such as sexual violence, which can lead to PTSD.

Other traumatic events also can lead to post-traumatic stress disorder, including fire, natural disaster, mugging, robbery, assault, civil conflict, car accident, plane crash, torture, kidnapping, life-threatening medical diagnosis, terrorist attack and other extreme or life-threatening events.

How the symptoms of post traumatic stress disorder (PTSD) can affect you

Post-traumatic stress disorder can disrupt your whole life: your job, your relationships and even your enjoyment of everyday activities.

Post-traumatic stress disorder symptoms are commonly grouped into three types: intrusive memories, avoidance and numbing, and increased anxiety or emotional arousal (hyperarousal).

Symptoms of intrusive memories may include flashbacks in which a person may relive the traumatic event for minutes or even days at a time or have recurring nightmares of the event.

Symptoms of avoidance and emotional numbing may include trying to avoid thinking of the traumatic event, feeling emotionally numb, avoiding activities previously enjoyed, a sense of hopelessness, memory and concentration problems and difficulty maintaining close relationships.

Symptoms of anxiety and increased emotional arousal may include increased irritability or anger, overwhelming guilt or shame, self destructive behavior (such as alcoholism or drug addiction), insomnia, and being easily startled or frightened. Having PTSD also may place you at a higher risk of other mental health problems, such as depression, drug or alcohol abuse, eating disorders and suicidal thoughts and actions. In most disability claims we have handled a person suffering with PTSD usually is suffering with either depression or anxiety at the same time.

In addition, studies of war veterans who suffer from PTSD have demonstrated a link between PTSD and the development of medical illnesses, including cardiovascular disease, chronic pain, autoimmune diseases and musculoskeletal conditions.

Types of treatment for post traumatic stress disorder

Post-traumatic stress disorder treatment often includes both medications and psychotherapy. This combined approach can help improve your symptoms and teach you skills to cope better with the traumatic event and its aftermath.

Treatment may include trauma-focused cognitive behavioral therapy. Cognitive-behavioral therapy for PTSD and trauma involves carefully and gradually “exposing” yourself to thoughts, feelings, and situations that remind you of the trauma. Therapy also involves identifying upsetting thoughts about the traumatic event and replacing them with more balanced picture.

Another type of therapy is Eye Movement Desensitization and Reprocessing (EMDR). EMDR incorporates elements of cognitive-behavioral therapy with eye movements or other forms of rhythmic, left-right stimulation, such as hand taps or sounds. Eye movements and other bilateral forms of stimulation are thought to work by “unfreezing” the brain’s information processing system, which is interrupted in times of extreme stress, leaving only frozen emotional fragments which retain their original intensity. Once EMDR frees these fragments of the trauma, they can be integrated into a cohesive memory and processed.

Since PTSD affects both you and those closest to you, family therapy can be especially beneficial. Family therapy can help loved ones understand what you’re going through and help everyone in the family communicate better and work through relationship problems.

Medication is sometimes prescribed to people with PTSD to relieve secondary symptoms of depression or anxiety, but it does not treat the causes of PTSD.

Resources

There are many valuable sources of post traumatic stress disorder (PTSD) information available. You can also access resources over the internet such as:

There are numerous charities dedicated to post traumatic stress disorder (PTSD) research, detection and treatment including Anxiety Disorders Association of America

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Disability Company Reviews
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Prudential

Prudential terminated my LTD, so now I have no income

Reviewed by Carlos M on June 10th 2022   Verified Policyholder
I was working at a shipyard at San Diego and hurt my back again while working. Hurt my back in the US Navy in 98 and had issues since then so I decided to get the surgery ... read more >
Reply
Sent on June 11th 2022 by Attorney Rachel Alters

Carlos, yes we may be able to help. Please email your denial letter to Rachel@diattorney.com and cc Amanda@diattorney.com. Thank you.

Lincoln Financial

Lincoln Financial made my life a living hell

Reviewed by Salyna D on June 1st 2022   Verified Policyholder
Lincoln Financial made my life a living hell. I went on medical leave from my job just to work for them basically. My mental health is worse than it was and I still do not... read more >
Reply
Sent on June 2nd 2022 by Attorney Stephen Jessup

Salyna, I am sorry to hear about your experience. I wish I could say it is an anomaly, but it is an all too common occurrence. Depending on if the claim was ever approv... read more >

MetLife

They demanded an overpayment, stopped my claim, and lied about it

Reviewed by Diana R. on May 28th 2022   Verified Policyholder
Metlife over paid me. Stopped my Ltd claim. The overpayment were not done right. They lied and said they deposited money in my account.
Reply
Sent on May 28th 2022 by Attorney Alex Palamara

Diana, I am sorry to hear of this denial and the demand for an overpayment. Please contact us so that we can review your claim and see if we can get you back to receivi... read more >

Sun Life

Sun Life is a real pain

Reviewed by Chris K. on May 20th 2022   Verified Policyholder
Sun Life is a real pain. I just want them to buyout my long term disability policy, but they keep playing around and around. I just to be left alone and given my lump sum ... read more >
Reply
Sent on May 20th 2022 by Attorney Rachel Alters

Chris, you can contact me at Rachel@diattorney.com and we can set up a call to discuss your buy out options.

Unum

I feel like Unum is giving me the runaround!

Reviewed by Rachelle H. on May 11th 2022   Verified Policyholder
I have contacted UNUM multiple times since I’ve needed them. I feel like they are giving me the runaround! Please help!
Reply
Sent on May 11th 2022 by Attorney Stephen Jessup

Rachelle, the law provides certain timelines and deadlines with which to provide information or decisions. Please feel free to contact our office to discuss your situat... read more >

Cigna

Payment delays!

Reviewed by Kim W on May 7th 2022   Verified Policyholder | September 2021 date of disability
I have a Long term disability claim with Cigna. Approval process did not take too long and they did start my LTD just a few days after my STD ended. First check was mailed... read more >
Hartford

Lack of respect, consideration, compassion and professionalism

Reviewed by Talita on January 23rd 2020   Verified Policyholder
My complaint about The Hartford is about the lack of respect, consideration, compassion and professionalism that I have been suffering.On December 4th, 2019 I had a pa... read more >
Lincoln Financial

Lincoln Financial approved my claim after I was denied WC, but now they won't pay me.

Reviewed by C on November 1st 2017   Verified Policyholder
I am a RN. I was diagnosed with PTSD after witnessing a horrible incident at work (hippa). HR wanted me to file for workmans comp but it was denied because it was mental h... read more >
Reply
Sent on November 1st 2017 by Attorney Stephen Jessup

C, please contact our office to discuss your claim. As there has been no formal denial of benefits your recourse is limited to a few options, but there should not be an... read more >

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Q: Can MOO deny my claim on the basis of preexisting condition when my condition is not preexisting?

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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.

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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.

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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.

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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.