What To Do When Your LTD Claim For PTSD Is Denied?

PTSD, or post-traumatic stress disorder, is a devastating mental health disorder that can severely impact your life. It can cause problems and difficulties in various aspects of your life, such as social situations, relationships, professional life, day-to-day functioning, etc. If you have PTSD, it may interfere with your ability to work and earn money. 

Since PTSD is not a physical disease and rather an “invisible disability,” it is often challenging to diagnose and prove in a long-term disability claim. If you are struggling to get benefits for PTSD, get in contact with an attorney to learn about the conditions that qualify for LTD

Compensation and disability claims for PTSD

If you have suffered from a severe accident, you may acquire PTSD, a mental health disorder where the victim suffers from haunting memories and nightmares associated with the horrifying incident. Suppose you are forced to stop working due to your condition. In that case, you may be able to recover compensation through short-term disability claims, long-term disability claims, compensation for PTSD from other sources, or any other insurance coverage that you may have. 

If you want to discuss your options for long-term disability benefits for PTSD and whether you are eligible to claim, it is recommended that you speak to an attorney today. 

What if the insurance company denies your PTSD claim?

Insurance companies love to find out errors in claims and will reject your claim the second they suspect something. Therefore, it is a possibility that the insurance company may reject your claim. Most of them look at mental health disorders as “invisible illnesses.” Your claim may get rejected due to the following reasons: 

  • It is possible to work as well as receive medical treatment.
  • The treatment is very limited and does not require compensation.
  • There are alternate jobs that the person can take up to earn a living.
  • Some medical information is missing. 

Appealing a denied PTSD claim

If the insurance company denies your PTSD claim on the first try, there is no reason you should not try for a second time. If ERISA covers the policy, you have the right to appeal the decision after it has been denied. Although it is a complex procedure, the results can be fruitful. 

Appealing can be more complex than filing for the first time because you need to make sure that you present them with evidence strong enough to get approved. Having an attorney by your side can significantly increase your chances of success.

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