Info Library

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The Info Library

Welcome!  The Info Library is an internet-based resource that addresses in one place your questions and concerns about disability benefits, disability insurers, your illness, your occupation, and filing a claim, appeal or litigation.  In other words, a "Wikipedia" for disability claims.  If you would like to automatically receive new posts, please subscribe below.



Category: Illnesses - Anxiety

Can Physicians File A Long Term Disability Claim for Burnout?

PTSD Anxiety Mental Illness Strategy - COVID-19

Are you mentally exhausted from the never-ending flow of COVID patients?  Have you seen more death and suffering than you can even think about?  Are you frustrated, angry, unmotivated, and feeling helpless? You’re definitely burned out, but are you disabled?

Since the COVID-19 pandemic began, an unprecedented number of physicians are reporting mental health conditions ranging from anxiety and depression to post-traumatic stress disorder.  In a recent study published in The Lancet, researchers from the American Medical Association and Hennepin Healthcare surveyed 21,000 U.S. healthcare workers, nearly 3,000 of whom were physicians.  Almost a third (29.9%) of doctors reported experiencing high stress.  Nearly half (47.7%) reported symptoms of burnout; more than a third (37.3%) said they felt overloaded with work.

As a doctor, you’re used to seeing your patients apply for disability benefits, but the process can seem entirely foreign when it’s your own claim.  Is burnout a covered disability?  Where do you start when you need to file a long term disability claim?

It’s a complicated process.  Here’s what you need to know.


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Your Insurer May Try to Characterize Your Physical Disability as a Mental Illness

Illnesses Depression Anxiety Mental Illness Bipolar Disorder

People who suffer from a disability causing both physical and mental symptoms can face certain challenges in filing their long term disability claims.  Insurers often try to categorize these claims as strictly "mental" in an  effort to limit liability.  This is because most long term disability policies limit benefits to 12 or 24 months when the disability is caused by a mental illness. Under these provisions, benefits will stop after one or two years even if you remain totally disabled.
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