Winning Long Term Disability Benefits For Ptsd From The Insurance Company
Convincing the insurance company that PTSD is a disability can be an uphill battle. What does it take to show an insurance carrier that you are unable to work because of your disorder and its complications?
Your first action is to read the policy and understand any limitations and exclusions. Here are a few common restrictive provisions written into most long term disability policies:
- Insurance policies often take a hard line and limit coverage of mental and nervous conditions. This umbrella term generally limits PTSD and other mental health disorders to 24-months coverage. If you are awarded short-term disability benefits, just as the 24-months of benefits expire the insurer will say you do not qualify for long-term disability, and disability payments will end.
- LTD policies often have an act of war exclusion upon which insurers may try to base denials of disability benefits for PTSD.
- Most insurance policies will require that you also apply for Social Security disability benefits. The reason is, any disability payments the insurance company pays you will be offset by the amount of your Social Security disability payments. And just because Social Security approves your disability claim for PTSD, this has no bearing on whether your insurance company will approve your claim for long-term disability benefits for PTSD.
How Edgar Snyder & Associates Can Help
At Edgar Snyder & Associates, we’ve spent decades helping over 3,000 people with physical and mental health conditions get the SSD benefits they need to pay medical bills and make ends meet.
If you want help applying for SSD benefits or the Social Security Administration denied your claim, you can trust our law firm to take care of the hassles and treat you with respect. We answer your questions about Social Security disability quickly, without the legal jargon. We take care of the confusing paperwork and guide you through the confusing claims process. We treat you the way you deserve to be treated.
Best of all, if we don’t get you SSD benefits, you won’t owe us a penny. We guarantee it.
What If My Claim Gets Denied
PTSD disability claims are not always accepted. People will wonder, Why was my PTSD claim denied? A common reason for a VA denied PTSD claim or other denied claims is an error by the benefit provider. Other reasons include insufficient documentation, missing records or eligibility issues.
If your claim has been denied, you will typically be able to appeal the denial. Pay careful attention to the appeal dates and ensure that any paperwork is filed on time. If you pass the appeal dates, you may have to wait a period of time normally a year and refile. You should provide any additional paperwork and documentation that is required during the appeals process. Depending on the complexity of your case and the reason for your appeal, you may wish to consider consulting a lawyer who can help you complete the appeals process. There are many lawyers who will provide a free consultation and give you some advice during these consultations that could help guide you in the appeals process.
If you find that you are self-medicating PTSD with alcohol or drugs, you should consider seeking professional help to stop using these substances and find a more healthy way to treat PTSD symptoms. The Recovery Village has years of experience with helping those who are misusing substances to treat PTSD. Reach out to one of our understanding team members to learn how you can start your recovery today.
Woods & Woods, LLC. Why was my PTSD claim denied? 2019. Accessed June 18, 2019.
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Medical Evidence Required For Ptsd Disability
What is in your medical records means everything to the processing of a SSDI or SSI disability claim. Your medical records should contain at least one detailed description of a typical episode of PTSD, including the frequency and duration of any panic attacks and what brings on worsening symptoms. Your doctor should also include whether your description of your symptoms matches his opinion of your mental state. Most importantly, your medical records should include how your PTSD symptoms affect your ability to function, both at home and at work.
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Many Canadians with disabilities dont get approved because they opt to fill out their T2201 Form themselves rather than seek the help of a professional. If youre living with a severe and prolonged mental or physical disability, we can get you approved for the Disability Tax Credit.
We have been helping clients with their applications for the Disability Tax Credit for many years now, and we can guarantee that you will be satisfied with our services.
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Ssas Purpose Is Different From Va
SSA is looking for problems with your capacity to work. It follows a five-step process to decide if you cannot work, and therefore would qualify for disability benefits.
SSA does not require a veterans PTSD or other impairment to be linked to military service or discharge status.
There are no rating percentages of disability. Basically, under SSAs all-or-nothing definition of disability, you no longer have the capacity to work for at least one year, or until death.
Conversely, the objective of VA compensation is to pay veterans who suffered disabling physical and mental health conditions while serving in the military, on a graduated scale, based on the degree of the veterans disability. You can be partially disabled and still receive disability under the VA.
How Do You Win A Ptsd Claim
Get out in front of your VA PTSD claim or appeal and dont wait for the VA to assist you in developing these elements: Know the 4 Pillars of a PTSD Claim and KNOW what evidence is and is not in your C-File already. Know how to prove up your UNIQUE type of Stressor Event. Get a solid Diagnostic Exam.
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Our Experienced Attorneys Will Fight For The Ssdi Benefits You Deserve
Are you suffering from PTSD? If so, turn to the experienced Social Security disability attorneys at Carlson Meissner Hart & Hayslett for help obtaining the SSDI benefits you deserve. Applying for SSDI benefits is a stressful, challenging process that you shouldnt face alone. Let us guide you through the process and work tirelessly to secure the SSDI benefits you are entitled to by law.
If your claim has been denied, our attorneys can also assist you with the process of appealing the SSAs decision. Contact our law office now to schedule a free consultation regarding your case.
What Conditions Automatically Qualify You For Ssdi
Some conditions automatically qualify for disability benefits if you have a confirmed diagnosis. The Compassionate Allowances List Acute leukemia. Lou Gehrigs disease Stage IV breast cancer. Inflammatory breast cancer. Gallbladder cancer. Early-onset Alzheimers disease. Small cell lung cancer. Hepatocellular carcinoma.
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For Qualified Veterans Ptsd Is A Disability Under Social Security
In many cases, a veteran may be eligible for SSDI, in conjunction with, or as an alternative to VA disability compensationif the Social Security Administration finds you are unable to work.
Like the VA, the SSA is a federal agency with its own purpose, eligibility requirements, definition of disability, and payment amounts. So it is important to know how these two disability programs differ and interact.
SSA has recently issued major revisions to its Listing of Impairments for Section 12.00 Mental Disorders, including a new listing for posttraumatic stress disorder. Previously classified as an anxiety disorder, as of January 2017, PTSD is listed under the new Section 12.15, Trauma- and stressor-related disorders.
Qualifying For Disability Benefits With Ptsd
The Social Security Administration has a guide that lists the requirements for particular impairments to qualify for disability benefits known as the Blue Book or the Disability Evaluation Under Social Security. Chapter 12 of the Blue Book is related to mental conditions and section 12.06 Anxiety-related Disorders describes the requirements needed for an individual to qualify with PTSD. An applicant with PTSD filing for disability benefits must satisfy the severity levels for requirements A and B or requirements A and C.
Applicant must have documentation of one of the following:
- Persistent severe anxiety with various symptoms
- Reoccurring, intrusive, stressful memories of a traumatic event
- Consistent irrational fear of a particular object or situation
- Reoccurring severe panic attacks happening on average once a week
- Consistent compulsions or obsessions that causes distress
Applicant must have documentation of at least two of the following:
- Difficulty with maintaining social functioning
- Difficulty with maintaining concentration, persistence or pace
- Repeated episodes of decompensation of extended length
Applicant must have medical evidence that proves they are completely unable to function independently anywhere outside the area of his or her home.
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What Happens If You Cannot Satisfy The Listing Criteria
Meeting the criteria of the Listing of Impairments to prove PTSD can be difficult but failing to do so does not mean you cannot get Social Security approved for PTSD. The evaluation process used by Social Security lets it review your application for benefits to determine if your PTSD is severe enough to prevent you from performing work that you did before the onset of the disability. It also looks at your age, education, work history, and other factors to determine if your impairment permits you to engage in other types of work.
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Ssdi For Ptsd: What Is A Medical
To be considered for a medical-vocational allowance, SSA will have determined that you do not qualify for benefits on the basis of meeting the requirements of the listing, but that your symptoms could be severe enough to prevent you from working. Individuals with PTSD often have fatigue from poor sleep patterns, trouble concentrating, and memory problems, all of which can interfere with the individual’s ability to work and maintain a job.
If you have other medical problems that limit your ability to work, you are more likely to be approved for a Medical Vocational Allowance.
How Can You Get A Medical
As you can see, its not easy to satisfy the disability listing requirements for PTSD. Many applicants are not able to provide sufficient medical documentation to meet these requirements. Fortunately, there is one other way to obtain SSDI benefits for PTSD.
If you cannot satisfy the listing requirements, the SSA will evaluate your condition to determine if it is severe enough to prevent you from performing the work you did previously. If you are still able to perform work you did previously, you do not meet the SSAs definition of disabled. But if you cannot perform the work you did previously as a result of your PTSD, the SSA will need to determine if you can perform any type of work at all.
The SSA considers many factors when determining whether you can perform any type of work, including your prior work history, education, special skills, and training. If the SSA believes it is possible for you to find work despite your PTSD, they will not approve your application for benefits. But if the SSA believes your PTSD makes it impossible for you to perform any type of work you are qualified for, you may be approved for benefits.
One Call To Our Law Firm Does It All
The relationship between the VA and SSA, and the types of disability benefits they provide can become complex. At Marc Whitehead & Associates, we take care of everything for you.
Our experienced disability attorneys will help you fill out forms and paperwork, supplement your claims with additional key records and supporting evidence, coordinate with doctors and more, to successfully present your claim and obtain the maximum appropriate benefits that are rightfully yours.
Come to us when you need help:
- developing and proving your veterans claim for PTSD,
- improving your VA rating,
- applying for possible Social Security Disability Insurance in addition to or as an alternative to your veterans disability,
- qualifying for a medical vocational allowance, or
- appealing a VA or SSDI claim denial.
Do not wait any longer. Call us toll free at or request a Free Consultation to find out how we can help. PTSD is a serious disability, and we are prepared to assist you wherever you live.
Marc Whitehead & Associates are Accredited Veterans Claim Attorneys as required to practice law before the VA. We represent veterans at all levels within the VA disability system including claims before the VA Regional Office, the Board of Veterans Appeals and the U.S. Court of Appeals for Veterans Claims.
About Marc Whitehead
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To Get Disability For Ptsd Social Security Needs To See Evidence Of Past Trauma Current Symptoms And Severe Limitations
By David A. Morton III, M.D.
Post-traumatic stress disorder happens after seeing or going through a traumatic event involving injury, violence, or death, such as an accident, rape, abuse, killing, natural disaster , or even experiencing a heart attack. PTSD causes recurrent flashback episodes and nightmares that can disrupt day-to-day activity. Some cases of PTSD include extreme fear of the event recurring, hyper-vigilance, anger or irritability, and a tendency to be easily startled.
Diagnosis of PTSD is made by psychiatrists or psychologists based on mental status examinations and a patient’s history. While brain imaging and biochemical abnormalities have been observed in some studies, these findings are not reliable or specific enough for diagnosis.
Treatment for post-traumatic stress disorder can involve counseling, cognitive-behavioral therapy, psychotherapy, antidepressant drugs, antipsychotic medications, or a combination of one or more of these treatments. Also, sometimes eye movement desensitization and reprocessing may help to reduce the effect of traumatic events.
What Types Of Evidence Do I Need To Prove My Ptsd Disability Claim
The SSA will want to see adequate evidence from acceptable medical and non-medical sources that verify your condition, its severity, and the effect your symptoms have on your ability to perform work-related tasks. You will want to submit your files from all of your treating physicians, including your general doctor, your psychiatrist, and your psychologist.
If you have high levels of catecholamine, altered levels of cortisol, and/or a decrease in the volume of your hippocampus three biological factors that are characteristic of people with PTSD your diagnostic test results can further support your claim.
The SSA will also take any information into consideration from acceptable non-medical resources, such as your employer, social worker, and family members about how your condition is impairing your ability to cope with work. If you are in group counseling, input from your group leader would be helpful, as well.
From our years helping disabled applicants, we can determine what the SSA is looking for and what documents will best prove your case. We will help you obtain that evidence to give you the best chance of receiving benefits.
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Ptsd And The Ssa Blue Book
The SSA Blue Book includes a list of qualifying medical and mental illness impairments. This listing contains medical criteria that applies to how they evaluate impairments when determining disability benefits.
According to the SSA, the disorder is characterized by experiencing or witnessing a traumatic event and the psychological aftermath of clinically significant effects on functioning. Examples of symptoms and signs of PTSD may include:
- Distressing memories
- Dreams and flashbacks related to the trauma or stressor
- Avoidant behavior
- Diminished interest or participation in significant activities
- Persistent negative emotional states
- Persistent inability to experience positive emotions
- Anxiety or irritability
- Aggression or exaggerated startle response
- Difficulty concentrating
- Sleep disturbance
If your PTSD is severe enough that prevents you from working, you may be entitled to Social Security Disability benefits. Do you need help applying for disability?Contact us today.
How Do I Apply For Disability If I Have Ptsd
Applying for disability benefits, Supplemental Security Income , and other Social Security programs can be intimidating. Not to mention, the SSA itself reports that more than two-thirds of first-time SSDI applications are denied.
If youre thinking about applying for disability benefits for PTSD, it is strongly recommended to consult a Social Security disability attorney first. An experienced lawyer who specializes in SSDI can help you gather crucial evidence and medical documentation, review your application for common mistakes that result in a denial, and walk you through the potentially lengthy and confusing appeals process..
For a free consultation regarding your case, contact Social Security Disability Advocates USA. Our qualified legal team is committed to helping disabled workers get the benefits they deserve to cover day-to-day living expenses and much-needed medical and psychological care.
Social Security Disability For Post
When a person experiences or witnesses a traumatic event, this can have a lasting impact on his or her life. For some people, this manifests as post-traumatic stress disorder . According to the American Psychiatric Association, about 3.5% of adults living in the U.S. are affected by PTSD. Its estimated that about 11% of Americans will be diagnosed with PTSD.
If you have a severe case of PTSD and have been living with it for at least 12 months, or your doctor believes it will last for at least 12 months, you may be entitled toSocial Security Disability benefits.
Our team atHandler, Henning & Rosenberg LLC can talk to you about your case and what youre experiencing to help you determine whether you qualify. We can help you file your application and seek the benefits you need. With our decades of experience in handling Social Security Disability Insurance and Supplemental Security Income applications andappeals, we know how these federal benefit programs work and can help you overcome any obstacles you face.Contact us today to learn more!