How to Cope with Stress and Anxiety Following a Disability Claim Denial

If your disability claim has been denied your anxiety level has likely increased. You are worried about how you will pay your bills, if you will lose your home and how to fight an insurance company that has been unfair to you. It’s important to remember that a denial is not the end of the road. First Things First: consult with a disability lawyer.

If you find your application for disability benefits denied, fret not; seeking legal advice should be your immediate priority. Understand that giving up after an initial denial would be a mistake. That’s what insurers are hoping you do.

Legal Assistance Can Make a Difference

A common misconception may hold you back – believing that hiring a lawyer would be a financial mistake you can’t afford. At Kotak Law we work on a contingency basis. In other words we don’t get paid until we settle your case.

Persistence in Medical Care and Documentation

Another crucial element in managing anxiety is persistence. Regardless of your disability claim’s status, do not discount the importance of seeking continued medical treatment. Not only does it help lessen your discomfort, but it also provides tangible evidence of your health condition.

Navigating through the denial of a disability claim can be a profound stressor, often exacerbating anxiety related conditions. However, understanding the mechanics of the process might help to alleviate some of that stress. Setbacks like this can feel discouraging but it’s important to remember that it’s not an uncommon occurrence. In fact, many applications are often denied and further existing claims are often terminated.

Furthermore, truthfulness in your medical history and current situation cannot be overstated. Avoid the temptation to understate or overstate your condition. Instead, be accurate when you report your limitations and symptoms to your treating physicians.

Despite these challenges, keep in mind that you’re stronger than this setback.


Attending to your well-being during moments of uncertainty is of prime importance. Experiencing the ripple effect of a denial – uncertainty, stress, and more – can trigger a spike in your anxiety. Do remember that managing your emotional and mental health is as crucial as winning the disability claim.

Remember, anxiety is a normal human response to stressful situations. In your case, the denial of such an essential lifeline can feel overwhelming. You’re not alone, and recognizing that these feelings are valid in your circumstance is the beginning of a healthier coping mechanism.

It’s often been the experience of applicants that the reasons for the denial are unclear, inaccurate and unfair. Kotak Law will challenge the denial by commencing a lawsuit against the offending disability insurance company.

Don’t overlook the significance of self-care during these challenging times. Engaging in activities that reduce stress, can help you to manage anxiety levels effectively.

Another vital step that you can take is seeking the help of a mental health professional. Counsellors, psychologists, and therapists can provide you with essential tools and techniques to help you manage your anxiety. Additionally, group therapy or support groups provide a platform to share your experiences and learn from others who have been in similar situations.

Remember, dealing with disability claim denial can be a test of patience and resilience, but with effective strategies, you can manage anxiety and navigate through this testing time successfully.


The lawyers at Kotak Law are experienced in representing clients who suffer from anxiety and depression. We have successfully sued all disability insurers in Canada including Manulife, SunLife, Canada Life, Industrial Alliance, Empire Life, Blue Cross, SSQ, Cooperators, RBC Insurance and Cigna amongst others.

We work on a contingency basis and actively move our cases towards and early and just resolution. We maximize the compensation you receive by engaging with your treating physicians and obtaining expert medical legal opinions.

While the process may seem daunting and anxiety-inducing, our preparation, diligence and experience can significantly lessen your stress and ultimately lead to a successful outcome.

We represent clients throughout Canada and are available for a free consultation.