An estimated 3.5 percent of adults in the United States suffer from post-traumatic stress disorder (PTSD). The symptoms of PTSD can make it difficult for those who have them to function in daily life, which can make carrying out the responsibilities of a job all but impossible. Any age, gender, or culture can be affected by PTSD, and the disorder may not manifest itself until years or months after a terrible episode. You may be qualified to receive long-term disability (LTD) benefits if your PTSD interferes with your ability to work. Here are some more conditions that qualify for LTD in the US.
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Symptoms of PTSD:
A form of severe anxiety disorder is PTSD. According to research, stress can cause the brain to atrophy as well as the death of specific brain cells in certain regions, which can often lead to PTSD. Living with a disability caused by PTSD can be extremely difficult. So, if you are suffering from this condition, chances are both your quality of life and your ability to support your family are wrecked.
Rage and hostility, despair or anxiety, nightmares, avoiding triggers, memory issues, sleeplessness, feeling “on edge” or easily startled, intense guilt or worry, and emotional numbness are all signs of PTSD.
Claims for PTSD:
Disability insurance providers frequently take advantage of PTSD claimants who are unrepresented, resulting in the denial, delay, or termination of the claim.
Because PTSD is frequently not recognized by victims straight away and deteriorates over time, they often struggle to cope with (or hide from) their issues. They might even be able to carry on working without too much difficulty.
The severity of their disability becomes apparent over time. However, the insurance company is motivated to deny the claim if the claimant continued to work following the stressful occurrence.
You must immediately reach out to a skilled denial of benefits attorney if your application for PTSD disability benefits has been denied.
Final thoughts:
Your insurance provider did not necessarily win just because they rejected your claim. Do not be intimidated. Your claim’s denial by them is simply what they want you would believe; it is not a binding decision. Don’t wait to call an attorney if you or a loved one is experiencing PTSD. It might be challenging to apply for LTD benefits if you have PTSD, especially if the condition is limiting your ability to concentrate.
