Often, a claimant’s treating psychologist or psychiatrist will not take thorough notes, and the insurance company will state that the claimant’s doctor has not documented any restrictions or limitations.
We have handled thousands of disability claims dealing with depression and anxiety. We also see disability companies argue: “If your depression was so debilitating, why were you not hospitalized?
People diagnosed with depression usually look normal on the exterior; however, their ability to function and perform in a work environment with reasonable continuity is severely limited.
Claimants need to be aware that most ERISA governed disability policies and many individual disability policies will limit mental nervous claims to two years of benefits only.
In many of our cases, if a person has an physically disabling condition, then we will attempt to prove that the depression or anxiety is secondary to the physical condition.
My company of 23 years wrongfully accused me of steeling from them. Now, I was not fired because they had no proof of me doing such an awful thing. I got sick, could not sleep, was scared, would not eat or go anywhere alone – my life changed.
I was told my job abilities were not good and that I had to pick it up because I was affecting the company’s sales and customer service and my members. I would ask to see the company doctor and they would not send me, that is why I started to see my own doctors.
An additional factor is that I have suffered most of my life with depression and bi-polar disorder and anxiety…
but was first diagnosed in 2005/2006 and seemed to be able to manage it through medication.
One of the most difficult disabling conditions to prove is depression or anxiety.
Disability insurance providers often challenge these claims because there is no objective test that can prove someone is depressed.
Here are some examples of our resolved cases for claimants with depression or anxiety: Depression is one of the most common psychological problems for a short or long term disability claim.