Mental illnesses affect many Canadians and are a leading cause of disability in the workplace. Mental illness is also referred to as an “invisible illness” as it cannot be diagnosed the same way as a physical ailment or an injury.
A psychological illness can be triggered by a number of causes including a traumatic event such as an accident, physical illness, death of a loved one or workplace stress/harassment.
Claims for long-term disability benefits that involve psychological illnesses are as complex as claims that involve physical illnesses, if not more complex. As with any type of long-term disability claim, your insurance company is looking for proof that you are receiving appropriate treatment and are under the care of an appropriate specialist (s) and proof of how the illness prevents you from performing employment duties.
Symptoms of depression can include loss of pleasure/interest in activities formerly enjoyed, feelings of sadness, suicidal ideation, lack of motivation, difficulty concentrating, decreased or increased appetite, changes to sleep patterns and mood changes.
Symptoms of anxiety can include physical symptoms like nausea, racing heart, sweating, shaking, agoraphobia, anxiety attacks, decreased appetite, difficulty sleeping, difficulty with cognition.
The symptoms of anxiety and depression can affect a person’s daily activities and ability to function in the workplace.
If your claim for disability benefits has been denied, you can fight your insurer’s decision. The lawyers at Aaron Waxman and Associates have represented many clients with psychological illnesses such as anxiety and depression settle their long-term disability claims.