Resilience at Work: What Disability Claims Have Taught Me About Mental Health

January 23, 2026

Dr. Katie Connell, Director of Behavioral Health for US Group Claims, shares a powerful insight from working with disability cases: most people experiencing mental health challenges never end up on disability leave. Discover what protects resilience, how it shows up in everyday work life, and practical steps you can take today to strengthen your mental wellbeing. 

Have you ever wondered whether feeling anxious, burned out or overwhelmed means something is “wrong” with you or your ability to work?

What I've learned working with disability cases might surprise you: most people experiencing mental health challenges never end up on disability leave—and that's actually the norm, not the exception.

Every day, our disability team works closely with employees navigating mental health challenges. We often meet people during moments when stress is high, work feels overwhelming, or symptoms make everyday tasks more difficult than usual.

One message stands out clearly:

Experiencing mental health symptoms does not mean you’re broken—or on a path toward disability.

Anxiety, low mood, stress, and difficulty during major life transitions are all common human experiences. Most people continue to work, care for others and problem solve through these challenges – often with far more resilience than they realize.

Mental Health Is a Continuum

A common misconception is that someone is either “fine” or “unwell.” Like physical health, mental health naturally fluctuates over time. Many people experience:

  • Anxiety during uncertain periods
  • Low mood during loss, burnout, major life changes
  • Stress reactions after difficult or traumatic experiences
  • Shifts in sleep, focus, or motivation

These are human responses - not signs of failure.

In disability cases, what we typically see is something different: symptoms that persist, worsen, and significantly interfere with day-to-day functioning over time, even with treatment. Understanding that distinction helps reduce fear and stigma and encourages people to seek support earlier rather than struggle in silence.

What Helps Protect Mental Health and Resilience

Across hundreds of cases, certain protective patterns consistently stand out. People tend to fare better when they maintain:

  • Routine: Regular sleep, movement, daily structure
  • Connection: Even small, imperfect check-ins with others
  • Purpose: Meaningful work, roles or responsibilities
  • Early support: Reaching out before things feel unmanageable
  • Flexibility: Allowing “good enough” on difficult days

These habits don’t prevent all challenges, but they create stability that helps people navigate difficulty with more steadiness and confidence.

Resilience in Action: What it Really Looks Like

Resilience rarely looks dramatic. More often, it shows up in subtle, steady ways:

It’s the employee who maintains basic routines during stressful periods. The person who asks for flexibility instead of withdrawing. The leader who continues making thoughtful decisions, even when under strain.

From my work with disability claims, resilience is often quiet. It’s imperfect. It’s sometimes invisible. Yet it remains one of the strongest predictors of recovery, sustainability and long-term mental health.

A Word About Disability

Disability benefits play an essential role in supporting employees when a medical condition – mental or physical – significantly limits daily functioning. Using disability benefits is not a sign of weakness. They exist to provide stability, time and structure so people can fully engage in treatment and recovery.  

Many employees return to meaningful work with the help of:

  • Appropriate treatment
  • Workplace accommodations
  • Gradual or modified transitions

The goal is always wellbeing: ensuring employees have what they need -whether that’s time away, modified duties, or ongoing support.

Take Action Today: Strengthen Your Mental Health and Resilience

Your mental health is just as important as your physical health. Small, consistent actions can make a significant difference. Consider starting with one or two of the following:

  • Build Connections: Reach out to a colleague, friend, or family member. Even a quick check-in can make a big impact.
  • Practice Self-Care: Make time for activities that recharge you, such as reading, walking, or quiet reflection. Practice a moment of gratitude.
  • Learn Stress Management Techniques: Techniques like deep breathing, mindfulness or reframing thoughts can help you regulate stress.
  • Seek Early Support: Don’t wait until you feel overwhelmed. Supports works best when accessed early.
  • Maintain Routine: Prioritize sleep, movement, and daily structure when possible.

Remember, mental health challenges are part of being human – not a personal failing. You are more resilient than you may realize, and with small, consistent choices over time, that resilience can grow.

In all states except New York, group insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA). In New York, group insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (Lansing, MI).

MPAR-11519                                                                                        

 #4350627068 1/26 (Exp 1/28)