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Is It Difficult To Get Long-Term Disability Benefits When You Have PTSD?

I have been diagnosed with PTSD caused by a severe auto accident. The flashbacks have made it impossible for me to do my job, but I have heard that it’s difficult to get approved for long-term disability. Is this true?

Long Term Disability - Question 37
Post Traumatic Stress Disorder (PTSD) falls into the broad category of conditions that are sometimes described as “invisible disabilities”.They are “invisible” because objective medical testing does not provide proof of the illness, symptoms or disabling condition. An X-ray, CT Scan, MRI or other medical testing generally will not provide any explanation for the symptoms you may be suffering with as part of the PTSD diagnosis. As claims for Long Term Disability are generally scrutinized extensively, being approved may well be difficult. If you have strong medical support and your claim is denied you should not hesitate to contact an experienced disability lawyer to assess your chances of proceeding with your claim and successfully getting the benefits you deserve.

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This searchable database contains information about disability, critical illness and life insurance claims, and what you can do if you are denied or cut off of your benefits. It is a collection of the most common questions we receive from our clients. General answers have been provided by our lawyers.