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At Zayouna Law Firm, we really take the time and go the extra step to get personally acquainted with our clients and their situations.

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PTSD

What is PTSD disability law?

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.

Why You Need a PTSD Disability Lawyer

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.

Problems with Insurance Claims for PTSD

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.

Dispute a Denied PTSD Disability Claim

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.

Eligibility for a PTSD Disability Lawsuit

Who suffers from PTSD?

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.

PTSD as an Operational Stress Injury

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:

  • Law enforcement officials
  • Firefighters
  • Paramedics
  • Military officers
  • Other first responders.

Exposure to Trauma

PTSD can also develop in direct response to traumatic life events, or exposure to traumatic situations, such as:

  • Death of a loved one
  • Motor vehicle accident
  • Being a victim of, or witnessing a violent crime
  • Workplace stress
  • Sexual harassment
  • Exposure to trauma and witnessing a traumatic event as it happens to others
  • Learning of a traumatic incident suffered by a loved one
  • Repeated or extreme exposure to the details of a traumatic event.

Were you denied PTSD disability benefits?

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. 

Our PTSD Disability Lawsuit Process

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.

  1. Consultation: Book a free consultation to discuss your PTSD diagnosis, its impact on your occupation, and your denied disability claim. We can explain why your insurer denied your claim, and advise you of your legal options.
  1. File your PTSD disability lawsuit: Working with mental health professionals and occupational industry experts, our lawyers prove your disability and its impact on your ability to work to claim disability benefits.
  1. Resolution: Our goal is your best outcome — disability benefits and improved quality of life. We don’t stop until we win, and that means we don’t charge unless we do. Ultimately, your well-being is our priority, and it’s how we aim to resolve your claim.

We are Your PTSD Disability Lawyers

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.

  • Results: We have represented and successfully resolved countless PTSD disability claims, resulting in improved quality of life of first responders, accident and crime victims, and witnesses.
  • Relationships: Our lawyers are distinguished members of the Ontario Trial Lawyers Association and the Ontario Bar Association. But the true measure of our legal expertise is our client advocacy. Our commitment is constant communication and your full participation throughout the legal process.
  • Recovery: We measure recovery in and out of court — your recovered disability benefits and their impact on your quality of life. We connect you with mental health professionals to ensure your mental health is supported, and your well-being is achieved.

PTSD Disability Lawyer FAQs

Insurance providers deny disability benefits due to these:

  • Absence or lack of medical information
  • Medical information was not submitted on time
  • Current treatment is inappropriate or not administered by the appropriate doctors as defined in the insurance policy
  • You can work while receiving treatment, or treatment would not interfere with your ability to work
  • You are still able to work in a different occupation
  • You have a pre-existing medical condition related to or causing your disability
  • You are outside of the “maximum recovery guidelines” defined by the insurance company’s medical expert
  • You did not participate in a rehabilitation or gradual return to work program arranged for you, particularly without medical evidence supporting this.

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.

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