Denial Of PTSD Based on Insufficient Medical Evidence

Denial Of PTSD Based on Insufficient Medical Evidence

Jessica was always a creature of habit. A fan of routine, she’d been following the same one every day for the past decade. She’d start her day with a coffee and a lift to work from her husband. She’d sit on the same park bench every lunch, and then walk home when the day was done to get her exercise in. In fact, it was this walk home that was her favourite part of her day as it gave her time to relax and focus on herself. 

Then, one day, she was attacked on her evening walk home. Someone had crept out from behind a nearby building, grabbed her, and threatened her with a knife. She gave them her purse, and they ran off. Unhurt, she walked the rest of the short way home and, upon arriving, her husband quickly called the police. They reported her stolen items and then went about their evening routine. She wasn’t hurt so she felt there was no need to go to the hospital. 

Over the next few weeks, Jessica would start to find it increasingly difficult to go about her normal routines. She could no longer manage her evening walks home, and her husband had to start picking her up at the end of the day. She no longer felt safe leaving the office on her lunch break, so she ate at her desk. Even then, she found herself losing focus during routine tasks that she could otherwise have done in her sleep. 

She found herself having vivid flashbacks of the incident along with restless sleep and painful nightmares on a nightly basis. Eventually, she stopped being able to focus on her job as an accountant. She took some time off work, but she knew she needed to do more than just take a week at home; she needed help. 

She went to her doctor, explained everything that happened and asked why she wasn’t over the incident yet. Her doctor diagnosed her with post-traumatic stress disorder (PTSD) and referred her to a therapist. He also recommended Jessica look into long-term disability benefits. She and her husband discussed it, and together they submitted her application. Unfortunately, her claim was denied. The insurance company denied her due to insufficient medical evidence, along with her having returned to work immediately after the incident.

It’s quite common for claims based on invisible illnesses such as depression, anxiety, or PTSD, to be denied. At Share Lawyers, we’ve handled many cases like this and won without incident. That’s why we were so confident when Jessica came to us for help. 

Jessica and her husband hoped we could make this process less stressful for both of them. Thankfully, we could. We won Jessica’s case, secured her benefits, and were able to facilitate her road to recovery. Jessica is still working on getting better, but she can now enjoy long walks outside with her husband while she recovers, which is a welcome breath of fresh air.

*Please note that all names and identifying details have been changed to protect the confidentiality of all involved. 

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.