Was your disability claim denied?

Often people claim disability for disorders that play a very real part of their life but they are denied benefits by their insurance company.  In many cases this happens because proving such a disability exists is harder to do and it is decided that  there is a lack of medical evidence. Two commonly denied disability claims are for anxiety and depression.

Anxiety

Anxiety is a general term for several disorders that cause nervousness, fear, apprehension, and worrying. These disorders affect how we feel and behave, and they can manifest real physical symptoms. Mild anxiety is vague and unsettling, while severe anxiety can be extremely debilitating, having a serious impact on daily life.

People often experience a general state of worry or fear before confronting something challenging such as a test, examination, recital, or interview. These feelings are easily justified and considered normal. Anxiety is considered a problem when symptoms interfere with a person’s ability to sleep or otherwise function. Generally speaking, anxiety occurs when a reaction is out of proportion with what might be normally expected in a situation.

Depression

Depression is often much more than feeling sad or despondent. Symptoms often include loss of self-esteem, feelings of uselessness, hopelessness, excessive guilt, slowed thinking, forgetfulness, difficulty concentrating, difficulty making decisions, loss of interest in work, fatigue, mood swings, oversleeping or insomnia, thoughts of death, dying or suicide.

Depression is a medical condition that affects one’s thoughts, feelings, physical health and behaviours. For diagnostic purposes, a depressive episode must be experienced at a certain level of severity for a minimum duration of two weeks.

Factors that increase the risk of developing or triggering depression include:

  • Having relatives with depression
  • Having traumatic experiences
  • Experiencing stressful life events
  • Having few friends or other personal relationships
  • Abusing alcohol or drugs

Our disability claim lawyers have successfully resolved denied claims for both anxiety and depression by bringing forth the medical evidence required to prove the disability as defined under the policy.

Learn more about anxiety and depression here.

Offering Support to People Living with Depression

One of my clients commented to me how depression can be so isolating. And lonely. In the throes of depression, the mind and body can be immobilized. This can have the negative and unwanted side effect of alienating family, friends and co-workers. If you have someone in your life suffering from depression, it is important to attempt to stay connected. While people with depression often physically cut themselves off from others, in this digital age, there are ways to keep the ties.

While attempting to connect disabled clients suffering from psychiatric illnesses to resources and support groups I came across a website aptly called “The Mighty”. It contains inspiring real life stories from real people suffering from mental and psychiatric illnesses.

Recently, The Mighty reached out to its community and asked, in this digital age, what text they’d like to receive in the midst of depression. While text messages are not “treatment”, it can remind someone that they are loved and missed and not alone. Here are examples of texts that The Mighty’s community published that may inspire you to reach out to someone you know who is suffering from depression:

  1. I’ll give you time and I’ll be here when you’re ready. I promise.
  2. I’m beginning to understand how loud silence can be. Forgive me for not standing still enough to hear yours. I’m listening.
  3. I can’t begin to imagine what you’re going through, but know that I’m here for you.
  4. I’m so glad you’re here.
  5. You matter.

Read more on The Mighty.