A Step-By-Step Guide to Long-Term Disability for Depression and Anxiety

Guide to LTD for Depression and Anxiety

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Breaking Down the Claims Process and Practical Advice for Claimants

In the past few years, we’ve seen a surge in long-term disability claims for mental health conditions—particularly depression and anxiety. While most long-term disability policies provide coverage for these conditions—in theory—getting approved can be challenging, and coverage limitations often apply.

A frustrating fight with your insurance company is the last thing you should have to worry about with while you’re dealing with mental health struggles and unable to work.

That’s why we wrote A Step-By-Step Guide to Long-Term Disability for Depression and Anxiety. In this free e-book, we break down the explain why depression and anxiety claims are tough to win, break down the claims process, and provide practical tips to strengthen your claim and improve your chances of approval.

Understanding the Claims Process for Mental Health Disability Claims Can Be Challenging

Long-term disability claims require careful preparation and attention to detail, as well as robust medical evidence. That’s especially true for mental health claims, which won’t show up on an X-ray or blood test. The bar of proof is simply much higher.

Building a strong case will require you to take several key steps, such as:

  • Getting a medical diagnosis
  • Diligently following your doctor’s treatment plan
  • Carefully reviewing the terms and limitations of your long-term disability policy
  • Making sure you have all the evidence you need before you file your initial claim
  • Responding to a wrongful denial

In our guide, we’ll walk you through the claims process step by step and explain what you’ll need to do and why each is important to your claim.

A parent showing affection for her child

Practical Advice to Strengthen Your Claim (and Avoid Common Pitfalls)

Insurance companies are businesses. They will be looking for any excuse to deny your claim and are unlikely to give you the benefit of the doubt if evidence is unclear or incomplete. As a result, you should expect—and be prepared for—common tactics that insurance companies use against you.

Our guide also includes practical advice on how you can strengthen your claim and avoid common pitfalls, including:

  • Why you should never “self-medicate,” avoid emergent care, or stray from your treatment plan even if you believe you can do so safely.
  • What to do if your medications cause unpleasant side effects.
  • What to do if an insurance company hires a private investigator to observe you in public.
  • Why you should be careful about what you post on social media while your claim is active.
  • How keeping a daily journal can provide context and credibility to your medical records.

While we hope that our guide will be extremely valuable to you as you work through the claims process, we also know that there’s no substitute for personalized advice from an experienced disability attorney. If you still have questions, contact our office. We’d be more than happy to review your case and provide compassionate and impartial legal advice.


Illinois’ Trusted Disability Insurance Team

Located in Chicago, Bryant Legal Group focuses its practice on complex disability insurance claims. Our team has helped people recover millions in disability benefits, and we want to put our experience to work for you. We handle cases involving both privately funded and group disability insurance policies. 

We also love to chat. If you have questions about your disability insurance claim, contact our law firm today. You can reach us at (312) 586-9650 or by completing our online form.

The content provided here is for informational purposes only and should not be construed as legal advice on any subject.

Our disability attorneys have recovered millions in benefits and payments for our clients.

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Get the answers and insight you deserve. Our experienced disability insurance lawyers can evaluate your claim and help you understand all your legal options.

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Get the answers and insight you deserve. Our experienced disability insurance lawyers can evaluate your claim and help you understand all your legal options.

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