Bartolic Law has helped numerous clients affected by Post-Traumatic Stress Disorder succeed in getting long-term disability claims approved, or their denials overturned. In one case, a client was the victim of an assault and robbery that resulted in a broken arm, but also left the client suffering from Post-Traumatic Stress Disorder thereafter. Because of the PTSD, the client struggled to leave the house. We were able to get the claim approved, and maintain it in pay status even after the physical injury was no longer the primary cause for disability.
In another case, a client caring for a family member triggered PTSD from traumatic events abroad decades earlier. Though the insurer denied the claim, we were able to persuade the insurer its own medical consultant cherry-picked notes in a treating doctor’s records, and we provided the precise type of assessment and reference to the DSM-V that the medical consultant said was lacking. As a result of this surgical approach, we helped get that client’s denial turned into an approval.
Post-traumatic stress disorder (PTSD) can develop when someone experiences a traumatizing event. The National Center for PTSD estimates that 7 to 8 out of every 100 Americans will suffer this disorder in their lifetime. Some 8 million American adults suffer from PTSD annually. Also, women are more vulnerable to this condition than men. That means that 10 out of every 100 women will suffer the disorder compared to 4 out of every 100 men. People can develop PTSD after experiencing any of the following events: accidents, fires, military combat, natural disasters, such as tornadoes, physical or sexual assault, child abuse, terrorist attacks or mass shootings, or a loved one’s sudden death. A patient must display certain symptoms to be diagnosed with PTSD.
The symptoms must have lingered for at least a month and have at least one re-experiencing symptom, one avoidance symptom, two arousal and reactivity symptoms, and two cognition and mood symptoms. Fortunately, this condition is treatable. Its treatment comprises medications and trauma-focused therapies. Some of its medications assist the body in managing a patient’s emotions and stress levels. Before recovery, however, the condition can be debilitating. Treating PTSD late can also cause severe complications. Patients may develop chronic pain, depression, alcoholism, or drug abuse. They also suffer acute sleep problems that grossly hinder their ability to work and relate well to people. In many cases, PTSD can result in a person losing their ability to work.
Ferrin v. Aetna Life Ins. Co., 336 F. Supp. 3d 910 (N.D. Ill. Sept. 28, 2018) (holding insurance policy’s grant of discretionary authority is void under Texas law due to certificate being issued after effective date of regulation, and policy renewing after effective date, and holding Plaintiff was disabled from Any Reasonable Occupation where treating doctors certify she can sit at the occasional level, and insurer’s consultants opine Plaintiff can sit frequently, as weighing all evidence together would make capacity likely at low end of frequent range at best).
Sadowski v. Tuckpointers Local 52 Health & Welfare Trust, 281 F. Supp. 3d 710 (N.D. Ill. Dec. 20, 2017) (holding plan was arbitrary and capricious in denying medical benefits for removal of spinal cord stimulator following a fall down the stairs and infection where plan argued the expenses were caused by the same injury as the car accident necessitating implantation of the stimulator years earlier)
Tassone v. United of Omaha Life Ins. Co., 264 F. Supp. 3d 867 (N.D. Ill. Aug. 30, 2017) (awarding client long term disability benefits denied by United of Omaha despite insurer’s doctor opining there was no objective evidence of functional impairment)
Suson v. PNC Fin. Servs. Grp., Inc., No. 15-CV-10817, 2017 WL 3234809 (N.D. Ill. July 31, 2017) (holding Liberty Mutual’s denial of client’s long term disability benefits was arbitrary and capricious where Liberty Mutual disregarded client’s carpal tunnel syndrome and relied on a vocational opinion to which client never had an opportunity to address before litigation)
Post-Traumatic Stress Disorder often accompanies other illnesses or injuries. Seemingly insignificant events can trigger PTSD from events long ago. Documenting the root of PTSD can often involve disclosing highly personal information from a long time ago. To have the best chance of success with your claim, you must be willing to share information you may not otherwise wish to share.
If you suffered PTSD and it is causing problems with your employment, help is available. You can talk to a disability insurance claims attorney from Bartolic Law to help you access disability benefits. Contact our legal team today.