It’s not unusual for long-term disability claims to be denied over a mental disorder. People with mental disabilities have a right to receive benefits just as much as someone with a physical ailment, but proving mental health disabilities is typically a more complicated task. If you are unable to work due to a mental health issue, and have been denied long-term disability benefits, read on to learn more about what you can do.
What Mental Disorders are Covered Under Long-Term Disability?
Mental health problems can be just as debilitating as a physical impairment. Maintaining a position at work or just carrying out everyday tasks and chores can be extremely challenging for someone who struggles with mental health issues. Here are some of the most common types of mental disorders covered under long-term disability:
- Mental retardation
- Personality disorders
- Bipolar disorders
- Alcohol/drug disorders
- General anxiety disorder
- Traumatic brain injuries
Common Reasons Why LT Disability Mental Health Claims Get Denied
There are many reasons why mental health long-term disability claims get denied. One of the top reasons is when the insurance company determines that the mental impairment is a pre-existing condition. Unfortunately, more often than not, these claims are wrongfully denied because insurance companies take a relaxed approach to how they interpret pre-existing condition clauses in policies. If your claim has been dismissed over a pre-existing condition, an experienced, long-term disability attorney will know how to approach the situation to increase your chances of an overturned decision.
How A Long-Term Disability Attorney Can Help With Your Appeal
Your mental health is an important focus, and filing a long-term disability claim can be a stressful task to accomplish if you are unfamiliar with ERISA laws. If your long-term disability claim was denied for any reason, including a pre-existing condition, it’s critical to enlist the assistance of a skilled disability attorney.
Whether you need help with a new claim or an appeal, contact Dabdoub Law Firm today at (800) 969-0488 to schedule a free consultation to learn more about receiving the benefits you deserve.