Depression is one of the most common mental illnesses that can cause debilitating effects on a person’s life. From the inability to uphold a job to difficulty completing everyday tasks, depression can be a serious condition, especially if not properly diagnosed and treated. Many people do not realize that depression is a covered condition under most long-term disability policies. However, many fail to apply for LT disability benefits due to not having an official diagnosis and proper medical treatment.
If you suffer from depression and are unable to work, here’s what you need to know so you can get the long-term disability benefits you deserve.
What is Depression?
According to the National Institute of Mental Health, depression is a mood disorder that causes overwhelming symptoms that affect how you feel, think, and handle everyday activities. Some signs and symptoms of depression may include:
- Feeling anxious, sad, and hopeless
- Loss of interest in hobbies or activities
- Feeling irritable
- Thoughts of death or suicide
- Lack of energy
- Trouble concentrating
- Difficulty making decisions
- Loss of appetite/weight loss
How a Pre-Existing Clause May Affect Your LT Disability Claim
Most long-term disability policies have pre-existing condition clauses outlined in policies. Often, when an individual applies for long-term disability benefits, the insurance company takes a loose approach to make pre-existing condition determinations, thus leaving claims wrongfully denied. Because insurance companies review claims with a fine-tooth comb, it’s crucial to ensure that you have all supporting documentation that proves your depression is not pre-existing.
What to Do If your LT Disability Benefits Have Been Denied
Insurance companies will review the following criteria when deciding if your depression is a pre-existing condition:
- Medical care and treatments of the condition
- Professional medical consultations related to your depression
- Prescription medications administered
Insurance companies are notorious for denying long-term disability benefits through pre-existing condition clauses. No matter what the reason, you have the right to appeal your claim. When you need to focus on your mental health, filing a long-term disability claim can be extremely taxing, especially when unfamiliar with ERISA laws. The best course of action is to enlist the help of a disability attorney to assist with your appeal.
If you need assistance with your long-term disability case, 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.