Depression Long Term Disability Claim

Depression can limit an individual’s ability to work. Unfortunately,  many insurance companies don’t see this and deny many claims for unfair reasons. One is by adding language to a policy to exclude any condition that is not a physical illness. However, if your claim was denied, the knowledgeable attorneys at The Michael Brady Lynch Firm can help. 

essure sad womanAbout Depression

The World Health Organization says that depression is a leading cause of disability worldwide. It affects over 300 million people. Many forms of depression render a person unable to function. There are many symptoms of depression. 

  • Feeling sad, anxious or empty
  • Overwhelming hopelessness or pessimism
  • Fatigue
  • Irritability
  • Worthlessness
  • Loss of interest or pleasure in normal activities
  • Fatigue
  • Restlessness 
  • Difficulty concentrating
  • Insomnia
  • Appetite or weight changes
  • Suicidal thoughts or attempts
  • Aches or pains

Depression symptoms are very debilitating. However, despite the prevalence of depression, proving a long term disability claim is challenging.  Insurance companies say there is no bias but that is not true. It is hard to prove ailments that are not physical.  

After a Depression Long Term Claim Denial

Check the policy and see how it defines the word disability. Depression does not mean sadness. There are debilitating symptoms of the illness. You must prove that symptoms of depression are preventing from the performance of substantial work duties.

Documentation can be difficult. Symptoms are hard to track. Make sure to include physical symptoms when possible. However, disability insurance claim processors are not doctors. They are looking for provable physical elements to your claim. With depression, sometimes it is hard to have those.

Most of the time, the reason a claim is denied is from a patient not seeking timely psychological or psychiatric care. Depression is treatable, but it isn’t a quick fix. It can take years to find the right dosage of a medication. Plus, when someone is suffering from depression, it is hard to find the motivation to even seek help.

Active attempts to seek help will aide your claim. These are good faith efforts to get better. Also, make sure to keep all schedule doctor appointments including therapy ones. Then, follow all recommended treatment courses while consistently taking any prescribed medications. Keeping a pain or symptom journal helps prove things that objective testing does not. 

Premier Complex Litigation Attorneys

The Michael Brady Lynch Firm has successfully represented thousands of consumers and recovered millions of dollars for their clients. Our team of attorneys has been recognized as some of the most experienced and successful in the country. Our award-winning staff is also sought after for our knowledge on complex litigation, scientific evidence development, negotiation strategies and trial tactics.

Most of all, our law office is resourceful and dedicated to pursuing any compensation you are due. Because of this, we have received a high degree of peer recognition and professional achievement, such as inclusion on numerous Plaintiff Steering Committees.  We will take whatever legal measures are necessary when fighting for your rights to damages.

If you have been injured or are prevented from working due to a physical or mental disability, it is important that you understand the LTD benefits you are entitled to. Our staff takes great care to offer the personalized and informative advice you need to understand your specific plan and the process of obtaining your benefits. Our attorneys have represented many clients in the past with complex cases. We will work tirelessly to obtain results on your behalf.

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