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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’t just a sad mood – it’s 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

“Larry” 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’s claim, Larry hired Riemer Hess to prepare an appeal.

The Firm submitted comprehensive letters from Larry’s treating psychiatrists, who opined that Larry was disabled from any occupation; detailed statements of Larry’s 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’s 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 “objectively.”

Riemer Hess immediately commenced a lawsuit on Larry’s 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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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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Mental Illness Limits in Disability Insurance Policies

Mental Illness Limitation Diagnosis - PTSD Diagnosis - Anxiety Strategy - Limitations and Restrictions Diagnosis - Mental Illness Diagnosis - Bipolar Disorder Diagnosis - Depression

Your long term disability policy may limit your period of eligibility if your disability results from a psychiatric condition.  This is commonly referred to as a Mental Illness Limitation.  Notably, the limitation may affect you even if you are not disabled due to a psychiatric condition.

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