Anxiety and Long Term Disability Claims

Anxiety disorders can seriously impact your life and prevent you from continuing to work.  Anxiety disorders are mental illnesses.  According to the Canadian Mental Health Association the different types of anxiety disorders include:

Phobias – intense fear around a specific thing or situation

Panic Disorder – repeated feelings of intense fear that lasts for a short period of time

Agoraphobia – a fear of being in a situation where a person cannot escape.  People may avoid public places or even leaving home.

Social Anxiety Disorder – involves intense fear of being embarrassed or judged by others

Generalized Anxiety Disorder – excessive worry around a number of everyday problems

OCD – unwanted thoughts or urges that cause anxiety or repeated actions

PTSD – reliving a traumatic event through nightmares, flashbacks and feeling unsafe

Long and short term disability insurance companies often deny disability claims that are based on symptoms of anxiety. They use such reasons as:

  1. There is insufficient medical evidence.
  2. You can do some other form of work.
  3. You aren’t seeing a specialist.
  4. You haven’t participated in the insurance company supervised rehab program.
  5. Your facebook page shows you are smiling.

If your claim for short term or long term disability benefits is terminated or denied you should retain a lawyer as soon as possible.  You should avoid the unnecessary and biased insurance company internal appeal process. Your lawyer should obtain medical evidence from your treating doctors such as your family physician, specialists and therapists to support your claim. Your lawyer may send you to a specialist for a medical/legal opinion to demonstrate that you meet the test of disability as set out in your policy.

At Kotak Law our disability insurance lawyers have been successful in suing disability insurance companies and securing significant lump sum settlements for our clients who suffer from anxiety or other illnesses such as chronic pain, chronic fatigue, depression, fibromyalgia, colitis, IBS, cancer, crohns, heart disease, arthritis, migraines, or even stress alone.


We understand that being denied disability benefits can be frustrating and devastating. Your time to fight your disability insurance company is limited. Please do not delay in calling long term disability lawyer. We have successfully sued numerous disability insurance companies including: Manulife, Sunlife, Desjardins, Great West Life, Blue Cross, AIG, SSQ, RBC, Industrial Alliance and more.

Call your trusted long term disability lawyers at 1-888-GOKOTAK (Toll Free for all of Canada), or (416) 816-1500 (Local Number for Ontario Residents), (403) 319-0071, (587) 414-1010 (Local Numbers for Alberta Residents). Our consultation is free and we don’t get paid until you do. We can meet you at our offices, at a coffee shop, your home or a local court house. We represent disabled people throughout Ontario and Alberta, including Toronto, Mississauga, Brampton, Milton, Georgetown, Orangeville, Oakville, Burlington, Hamilton, St.Catharines, Niagara Falls, Stoney Creek, Kitchener/Waterloo, Cambridge, London, Windsor, Markham, Pickering, Oshawa, Peterborough, Keswick, Kingston, Ottawa, Banff, Brooks, Calgary, Edmonton, Fort McMurray, Grande Prairie, Jasper, Lake Louise, Lethbridge, Medicine Hat, Red Deer, Saint Albert and other locations.

Disclaimer: This article is intended to supply general information to the public. We make every effort to ensure the accuracy of this information. However, as laws change quickly, the reader should always ensure the accuracy and applicability of such information with respect to their particular case. The information contained in this article cannot replace a thorough and complete review of the reader’s situation by competent legal counsel who has had an opportunity to review all of the facts.