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Often described as being forced to relive the traumatic event repeatedly, post-traumatic stress disorder (PTSD) can be disruptive and debilitating to everyday life. Disability insurance exists to protect you if you cannot work due to PTSD, yet the claims process can be as traumatic as the incident itself.
Zayouna Law Firm is no stranger to the added, undue psychological and financial burden caused by the disability claims process. No one should have to relive their trauma over and over again, forced to suffer more without disability benefits. Our lawyers can help resolve your denied disability claim, and put an end to the enduring trauma.
A devastating accident, illness, witnessing or being a victim of a crime, and many other threats of severe injury or death are traumatic. While cuts and bruises heal, trauma endures. For many people, this “invisible” psychological scar is most difficult to recover from — if they recover at all.
PTSD is a mental disability — “invisible” and impossible to diagnose using x-rays and bloodwork, much less prove the existence of symptoms, such as nightmares, flashbacks, anxiety, and changes in mood and behaviour.
When these symptoms affect your ability to work, you should be eligible for income replacement benefits under disability insurance. But like many “invisible” disabilities, insurers are often prejudiced against PTSD claims, resulting in denied benefits. For many victims, a denied disability claim only exacerbates their PTSD, causing more harm and suffering.
A denied disability claim should not doom you to a lifetime of PTSD — and the resulting trauma and financial hardship extending to your loved ones. Our PTSD lawyers can help you fight your insurer’s decision, and resolve your disability claim.
We can help you claim the benefits you are entitled to, and seek compensation for the emotional, mental, and financial burden of a denied insurance claim. A successful PTSD disability lawsuit guarantees benefits such as income replacement, as well as access to ongoing treatments or therapies to restore your quality of life and provide a path forward from the trauma.
Whether you suffered a threat to your life or the risk of grave danger and injury, witnessed a major trauma, or have been repeatedly exposed, you may develop symptoms of PTSD, with potential lifelong effects — especially without disability benefits and access to crucial mental health resources.
First responders are at higher risk of developing PTSD as an occupational hazard. Symptoms may develop due to repeated, first-hand exposure to traumatic events and dangerous situations, such as combat, violent crime, and accidents. Occupational stress PTSD is common among:
PTSD can also develop in direct response to traumatic life events, or exposure to traumatic situations, such as:
You are eligible for PTSD disability benefits if you have been diagnosed with this anxiety disorder and cannot work due to the disruptive and debilitating nature of flashbacks, anxiety attacks, nightmares, and changes in your mood and behaviour.
To claim benefits, your insurance provider requires documentation of your diagnosis and the appropriate treatment, and proof of your condition’s impact on your ability to work. If you have compiled all of these requirements and were denied benefits, these are grounds for a PTSD disability lawsuit against your insurance provider.
Zayouna Law Firm is dedicated to your well-being and recovery from PTSD. We are here to fight your denied disability claim, and advocate for the benefits and support you need to deal with the aftermath of traumatic events. With our support, you will never have to relive these events over and over again.
At Zayouna Law Firm, we bring our vast legal expertise in disability law and knowledge of PTSD to advocate for you. We are here for you every step of the way, in and out of the courtroom. Our mission is your disability benefits and support, and total well-being.
Insurance providers deny disability benefits due to these:
Yes, you can. Once you receive a denial letter, you can appeal a denied benefits claim through your insurer’s internal process, usually for up to 3 appeals. However, note that appeals do not guarantee a reversal; you can exhaust all levels of appeal within an insurer’s internal process and still be denied benefits.
It is in your best interest to contact a disability lawyer right away — whether you are still filing a benefits claim with your insurance provider, or have already received a denial letter. Exploring your options and commencing legal action as soon as possible ensures you meet all filing deadlines within the set limitation period, and can help expedite your case and benefits payout if successful.
At Zayouna Law Firm, we have assembled a team of professionals dedicated to serving seriously injured clients with knowledge and sensitivity. Collectively, our highly skilled personal injury lawyers bring decades of experience to the work of helping thousands of injured clients return their lives to their pre-accident state.Read More