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Do Long-Term Disability Claims Only Cover Physical Disabilities?

Long-term disability claims cover many different types of disabilities including mental illness. Individuals who struggle with mental health issues and are unable to work may be qualified to receive long-term disability benefits. Here’s what you need to know.

What Mental Conditions are Covered Under Long-Term Disability?

Many people who struggle with mental disorders often find it difficult to carry out daily activities and some disorders may even be debilitating. When a person finds it hard to maintain a job due to mental impairments, it can have a long-lasting economic impact as well. Here are some of the most common mental conditions covered under long-term disability:

  • Depression
  • Autism
  • Mental retardation
  • Personality disorders
  • Bipolar disorders
  • Alcohol/drug disorders
  • General anxiety disorder
  • PTSD
  • Traumatic brain injury

Pre-Existing Conditions Clauses May Impact Your Claim

Pre-existing clauses are outlined in most long-term disability policies. Insurance companies are known to take a loose approach when it comes to determining a pre-existing condition and this often leads to an unjustified denial.

How to Handle a Denied Claim Due to a Pre-Existing Condition

One of the top reasons that long-term disability claims are denied is through a pre-existing condition clause. If your long-term disability claim has been denied for any reason, it’s imperative to seek the help of an ERISA attorney to learn your rights and to get started on the appeals process.

Hire an Experienced Long-Term Disability Lawyer

Focusing on your mental health is no doubt your top priority. Having to deal with the insurance companies and the “red tape” that comes along with long term disability claims can compound stress levels that much more. If you or a loved one needs assistance with your long-term disability claim, we can help.

From new claims to appeals, we’ve got you covered and can handle all cases throughout the United States. Contact Dabdoub Law Firm today at (800) 969-0488 and schedule a consultation to learn more about your long-term disability options.