Posttraumatic stress disorder (PTSD) is often rated at a level that fails to reflect your actual disabilities and extent or stage of impairment. These and other issues make it very hard for you to get a handle on your PTSD rating. A prevalent disability among U.S. service members, PTSD claims are hard fought battles for […]
Disability insurance companies often take advantage of an unrepresented PTSD claimant, causing the claim to be denied, delayed or terminated.
Because PTSD is typically not recognized by victims right after the stressful event, and worsens over time, they often try to adjust to (or hide from) their problems. They may continue to work, at first without extreme difficulty.
As time goes by, the seriousness of their impairment becomes evident. Yet this gives the insurance company incentive to reject the claim since the claimant was working after the stressor event.
Many long-term disability policies are written by their insurance providers with wording subtly meant to reinforce denial: