Is My Mental Condition Covered Under Long-Term Disability?
Most people think long-term disability claims are only for those who are physically disabled, but that is simply a misconception which isn’t actually true. People with mental health impairments that are unable to work are also qualified for long-term disability benefits.
Common Types of Mental Conditions Covered Under Long-Term Disability
Mental health issues can have a negative impact on daily life, and many people struggling with mental health disabilities often find it challenging to maintain a position in a work setting. While depression is one of the most common mental conditions covered under long-term disability, here are some others that you may not have realized are covered:
- Mental retardation
- Personality disorders
- Bipolar disorders
- Alcohol/drug disorders
- General anxiety disorder
- Traumatic brain injury
How Does a Pre-Existing Condition Affect Your Claim?
Most long-term disability policies have pre-existing clauses outlined in policies. Depending on your policy, you may have different outlined limitations. Additionally, insurance companies often take extra care in looking for pre-existing conditions in mental impairment claims to deny them. Usually the denial typically isn’t justified, because insurance companies take a wide-approach when making a pre-existing condition determination.
The insurance company will examine the following factors in your case to decide whether or not your mental impairment is a pre-existing condition:
- Medical care, treatment, and other healthcare services
- Professional medical consultations related to your mental health condition
- Prescription medications administered
What to do If Your Long-Term Disability Claim Was Denied
There are many reasons why long-term disability claims get denied — one of the main factors being pre-existing conditions. If your claim has been rejected for any reason, it’s crucial to enlist the help of a long-term disability attorney immediately to learn your rights and the best approach to take for an appeal.
You need to focus on your health, and filing a long-term disability claim can be extremely taxing, especially when unfamiliar with ERISA laws. 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.