When hearing the term “disability,” most people think of physical impairment. However, despite popular belief, a mental disorder can be just as debilitating as a physical disorder. The stigmas and misconceptions about mental disorders can leave someone who rightfully needs long-term disability benefits to be ashamed or afraid of pursuing a claim. Learn the common mental disorders covered under long-term disability and how to get help with filing your claim.
Mental Disorders Covered Under Long-Term Disability
A mental disorder can make everyday tasks and responsibilities challenging. People with a mental impairment often struggle with holding down a job or simply have trouble maintaining self-care. The following mental conditions covered under long-term disability include but are not limited to:
- General anxiety disorders
- Mental retardation
- Personality disorders
- Bipolar disorders
- Alcohol/drug disorders
- Traumatic brain injuries
The Roadblocks of Pre-Existing Condition Clauses in Policies
Virtually every long-term disability insurance policy has pre-existing condition clauses. This is often a roadblock when it comes to long-term disability claims. Insurance companies often take a broad approach when determining if a mental health disorder is a pre-existing condition.
It’s not uncommon for mental disorder claims to be wrongfully denied. Insurance companies are notorious for reviewing all facts and evidence under a microscope, so it’s crucial to have as much supporting documentation that proves your mental disorder is not a pre-existing condition. It’s also critical to enlist the help of a disability attorney to increase your chance of a favorable decision.
Help from a Lawyer with Expertise in Disability Insurance
Disability insurance law is complex. Hiring an experienced disability attorney is important. Because all disability lawyers at this law firm focus on disability insurance claims, we have expertise in disability insurance law.
That means we have:
- Experience with every major disability insurance company;
- A proven track record of success by winning major disability lawsuits;
- Recovered millions of dollars in disability benefits for clients;
And, we never charge fees or costs unless our clients get paid.
The firm can help at any stage of your disability insurance claim, including:
- Submitting a disability insurance claim;
- Appealing a long-term disability denial;
- Negotiating a lump-sum settlement; or
- Filing a lawsuit against your disability insurance company.
Because federal law applies to most disability insurance claims, our lawyers are able to represent clients across the country.
Call to speak with an experienced disability attorney. Consultations are free.