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Info Library

Find answers to your disability claim questions.

Welcome to our Info Library.

The Info Library is a resource for people who have questions about disability insurance benefits, insurance companies, medical conditions, occupational demands, claims, appeals, and litigation.

Think of it as a practical guide to disability claims. Our goal is to explain common issues in clear, useful terms so you can better understand the process, the risks, and the decisions that may affect your benefits.

New articles are added regularly.

 

Category: Diagnosis - Depression

Depression and Long Term Disability: What Evidence Matters

Mental Illness Limitation Diagnosis - Anxiety Diagnosis - Mental Illness Diagnosis - Depression

Depression isn鈥檛 just a sad mood 鈥� it鈥檚 a severe clinical condition that can lead to serious problems in functioning for those who suffer from it. The symptoms of major clinical depression can make it difficult to carry out your day-to-day activities, including working.

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Lawsuit Won for Senior Manager With Depression

Success Stories Manager Case Studies Success Story Diagnosis - Depression

鈥淟arry鈥� was a senior manager at a major consulting firm. As a result of a series of major stresses in both his personal and professional life, Larry was hospitalized with major depression and suicidal ideation. When the insurance company denied Larry鈥檚 claim, Larry hired 麻豆影院 to prepare an appeal.

The Firm submitted comprehensive letters from Larry鈥檚 treating psychiatrists, who opined that Larry was disabled from any occupation; detailed statements of Larry鈥檚 family and co-workers, corroborating his incapacity; and an in depth affidavit from Larry describing how depression slowly but surely made him unable to function and took away all joy in his life. The insurance company still denied Larry鈥檚 appeal, asserting that Larry did not submit objective proof of his depression even though it is well known that disability from depression cannot be demonstrated 鈥渙bjectively.鈥�

麻豆影院 immediately commenced a lawsuit on Larry鈥檚 behalf in Federal Court. Our persistence eventually convinced the insurer to settle the case. Larry received a substantial lump sum settlement and can now get on with his life.

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Dentist Prevails Over Improper Mental Illness Limitation Application

Mental Illness Limitation Success Stories Dentist Case Studies Diagnosis - Anxiety Diagnosis - Mental Illness Diagnosis - Depression

鈥淒r. X鈥� was a successful Dentist in Westchester County suffering from major depression, anxiety, and associated symptoms.  She applied for benefits and the insurance company granted them under the policy, subject to the two year mental illness limitation in the policy. 

While out on disability, Dr. X subsequently sustained physical injuries to her right shoulder when she fell walking down a flight of stairs.  These injuries, independent of her depression and anxiety, precluded her from performing routine dental procedures with her dominant arm. 

Dr. X promptly notified the insurance company regarding her physical injuries and submitted medical evidence substantiating her physical restrictions and limitations of her dominant upper extremity.  The insurance company, however, discontinued Dr. X鈥檚 benefits by invoking the 24-month Mental Illness Limitation, despite the new physical injuries suffered by Dr. X.

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Attorney Secures Continued Disability Benefits Despite Insurance Re-Evaluation

Success Stories Strategy - Continuation of Benefits Attorney Case Studies Strategy - Interview with Insurance Company Diagnosis - Mental Illness Diagnosis - Depression

 鈥淜ate鈥� was a successful attorney at an insurance company before she became incapacitated by major depression. She applied for and was granted disability benefits. After receiving benefits under her policy for over 10 years, she was informed by the insurance company that her disability was being re-evaluated. As part of the re-evaluation, the insurance company wanted to interview Kate in her home.

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Case Study: Relationship Manager Wins Disability Benefits for Depression After Insurer Termination

Success Stories Executive Case Studies Diagnosis - Depression

 

Dwight was a successful relationship manager at a national insurance company. He lived and worked in NYC.  Dwight suffered from depression, which included symptoms of decreased energy, difficulty thinking, emotional isolation, sadness, hopelessness, irritability, and poor sleep, which resulted in him being unable to continue working.

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