Trauma-Related Claims
Long-Term Disability for PTSD in Ontario
PTSD is a serious, life-altering condition. But insurers often minimize trauma and terminate benefits using the 24-month mental health limitation.
Common Denial Tactics
Why insurers deny PTSD claims
24-month mental health limitation applied to cut off benefits
"You should have recovered by now" (ignoring complex trauma)
Surveillance showing you in public = functioning normally
IME psychiatrists who minimize trauma severity
"Inconsistent" symptom reporting used against you
The Mental Health Limitation Trap
PTSD claimants face unique challenges:
- Most policies limit mental health benefits to 24 months
- Avoidance symptoms make it hard to attend appointments consistently
- Good days don't mean recovery. Triggers can happen anytime
- Complex PTSD from prolonged trauma is often misunderstood
Our Approach
How we prove PTSD disability
Comprehensive trauma assessments from treating psychiatrists
Neuropsychological testing showing hypervigilance and cognitive impacts
Evidence of physical comorbidities (chronic pain, migraines, insomnia) to overcome 24-month limitation
Treatment records showing severity and persistence
Third-party observations of functional impairment
Independent psychiatric evaluations to counter insurer IMEs
Workplace incident reports and occupational health records
Protect Your Claim
What insurers look for
What to Avoid
- Social media posts that could be taken out of context
- Missing therapy appointments (even when avoidance is a symptom)
- Downplaying symptoms to doctors or insurers
- Engaging in activities that contradict reported limitations
What to Do
- Maintain consistent treatment with a trauma specialist
- Keep a symptom diary including triggers and flashbacks
- Report all symptoms honestly to treating physicians
- Document how PTSD affects daily functioning
Common Questions
Your questions, answered
Denied for PTSD? Let's talk.
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