Psychological Evaluation for Long-Term Disability Claims
Independent evaluation for ERISA and private disability claims.
Long-term disability insurers may attribute claims involving fibromyalgia, chronic fatigue, POTS, long COVID, autoimmune disease, and other invisible conditions to a primarily psychological cause, potentially triggering a mental-nervous limitation. Whether that classification is accurate is a clinical question.
A Biopsychosocial Evaluation
Using the WHO International Classification of Functioning framework, the evaluation clarifies the relationship among medical condition, psychological functioning, and occupational capacity rather than isolating one component.
What This Evaluation Addresses
Medical history, symptom course, and functional impact
Review of medical and psychiatric records
Standardized testing, including measures such as WHODAS 2.0
Analysis of medical conditions, psychological symptoms, and functional capacity
An opinion on whether psychological factors are primary or secondary to a documented medical condition
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No. It is independently retained by the claimant or counsel, not contracted by the insurer.
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Yes. The evaluation is designed to clarify how medical conditions, psychological symptoms, and functional capacity interact.
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Medical, psychiatric, occupational, policy, and prior claim records may be reviewed depending on the referral question.
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No. The insurer or reviewing body decides the claim. The report provides objective clinical findings.
Who This Is For
Claimants with ERISA-governed or private LTD policies, especially those with chronic, invisible, or medically complex conditions facing a denial, cap, or reclassification, often in coordination with an ERISA disability attorney.
Objective, Independent Documentation
The evaluation is privately retained and independent. The report reflects what the records, interview, and testing support; no claim outcome can be guaranteed.
Fees
Pricing varies based on scope. Records requiring separate review are billed at $350. Insurance is not billed for disability documentation evaluations.
Scope of Service
We do not conduct insurer-contracted examinations, court-ordered evaluations, or forensic evaluations related to criminal or custody matters.