Can the Insurance Company Deny Your Disability Claim if you have PTSD?

Can the Insurance Company Deny Your Disability Claim if you have PTSD?

The short answer is yes – even if you have a medical diagnosis. Here’s a story very similar to a case that we recently won for a client. Please note that all names and identifying details have been changed to protect the confidentiality of all involved. 

Derrick had always assumed Post Traumatic Stress Disorder was something that only happened to soldiers and people in dangerous professions. He certainly never expected that it was something he’d have to deal with in his position as a bank manager in downtown Vancouver, or that it would upend his life in such a dramatic fashion.  

His issues began when he was 44, following an unexpected altercation with an unruly commuter on the SkyTrain. After the incident, the authorities rapidly intervened and Derrick had emerged physically unscathed, but the incident proved to have a much more significant impact psychologically. The attack had caught Derrick completely off guard. He still didn’t know what had provoked it, or what steps he could take to prevent a similar incident in the future.     

As a result, Derrick soon found that he was jumping at shadows, looking for a potential assailant around every corner and behind every door. Spaces that had once felt safe now felt hostile and unwelcoming. He started experiencing panic attacks that were severe enough to affect his performance at work and to stop him from making it to the office. His morning commute had once been routine; now every face on the crowded SkyTrain felt like it could be a threat.

The situation soon became untenable, so Derrick stopped working and applied for his Short Term Disability Benefits through work.  When that ended he applied for long term disability benefits through his group benefits at work, to give himself time to get his panic attacks under control. Unfortunately, Derrick received yet another shock when that claim was denied despite an official diagnosis from his doctor.

Derrick was terrified. He knew that he wasn’t healthy enough to fulfill the responsibilities of his job, but he didn’t know how to make that case to his insurance provider. The answers and advice he found online were always different or even downright contradictory.

In fact, the only constant seemed to be the ads for Share Lawyers that kept cropping up during his investigations. Derrick checked out the Share Lawyers website and discovered tons of information that he had not been able to find anywhere else.  Eventually, he got curious and decided to give them a call, and that was when he began to feel that he was finally getting some useful information.

“My experience with Share Lawyers was amazing,” Derrick said. “They guided me through the entire process over the phone. At times, I was feeling anxious and nervous but every time I spoke to them they were positive and very honest. The staff were very helpful and responsive.”

With the help of Share Lawyers, Derrick was able to fight the insurance company’s decision. The lawyers managed the complicated legal process of suing an insurance company and after a big fight, they reached a settlement at mediation that granted him the disability benefits he deserved, allowing him to take the time he needed to focus on his condition.

“I am 100% satisfied with the results,” Derrick continued. “Thank you from the bottom of my heart for guiding me throughout this experience and successfully settling this case. I would absolutely refer Share Lawyers to my family and friends without a doubt. They were there for me.”

Has your long-term disability claim been denied? Contact Share Lawyers and put our experience to work for you. We have recently settled cases against Great-West Life, Desjardins, Manulife, RBC Insurance, Sun Life, and many more. We offer free consultations and there are no fees unless we win your case. Find out if you have a disability case.