Facts About Post-Traumatic Stress Disorder

DID YOU KNOW? Facts About Post-Traumatic Stress Disorder

Post-traumatic stress disorder (PTSD) is one of several conditions known as an anxiety disorder.

This kind of medical disorder affects approximately 1 in 10 people.

PTSD is caused by a psychologically traumatic event, called a stressor, involving actual or threatened death or serious injury to oneself or others.

There are three categories of symptoms, which include: re-experiencing the event through memories, nightmares or flashbacks; avoidance and emotional numbing; and changes in sleep patterns, insomnia and difficulty concentrating.

Drug and alcohol dependance, dizziness, chest pain, gastrointestinal complaints and immune system problems may be linked to PTSD.

Children and adults can develop PTSD. The disorder can become so severe that that the individual finds it difficult to lead a normal life. Fortunately, treatments exist to help people with PTSD bring their lives back into balance, including medication, cognitive-behavioural therapy and exposure therapy.

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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?

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.


The insurance company has cited “insufficient medical evidence” as the reason for denying my LTD claim. I have post-traumatic stress disorder but they seem to think that I have been misdiagnosed. My psychologist refuses to write anymore reports. I’m at a loss—is it time to hire a lawyer?

When an insurance company says that there is “insufficient medical evidence”, you have the option to appeal by providing more medical evidence, or consulting a lawyer to discuss your rights and possible remedies. If your doctors have provided all the medical information that is available, then appealing will not achieve anything except cause delays. You should contact an experienced disability lawyer to help you fight for the benefits your are entitled to receive.SP