Some FAQs About Long Term Disability and Mental Health

Mental health is an asset that many people don’t realize they have until it’s missing. A mental health disorder can wreak havoc on a person’s ability to function at home and work, but very few people believe they need a long term disability lawyer in Philadelphia when they get diagnosed and are struggling to work. So few reach out for help because they may not believe their condition qualifies for long term disability payments.

Here’s what you should know about your eligibility for long term disability benefits if you’ve been diagnosed with a mental health disorder:

Do Mental Health Disorders Qualify for Long Term Disability?

The big question anyone has when they receive a diagnosis and find it hard to work is, “am I even eligible for long term disability benefits?” The answer is a resounding “yes.”

Long term disability insurance was designed for instances where a person cannot work for an extended time due to a medical issue, which includes mental health disorders. Some of the most common conditions that are covered by long term disability insurance include:

  • Personality Disorders
  • Bipolar Disorder
  • Substance Abuse Disorders
  • PTSD
  • Traumatic Brain Injury

The list of conditions largely depends on how it impacts your ability to perform your job and what kind of guidance is outlined in your employer’s long term disability policy, so it’s always worth filing a claim if your condition fulfills that criteria.

What About Anxiety and Depression?

Anxiety and depression can be considered relatively common in the United States, as some of the most frequently diagnosed conditions today. However, just because they are common doesn’t mean they are ineligible for long term disability benefits.

Both anxiety and depression can put a severe physical strain on the body that reduces a person’s ability to concentrate on the task in front of them, get adequate sleep, or perform nearly as well as they might have otherwise.

Why Was My Claim Denied?

There are various reasons why a long term disability insurance provider might deny a mental health disorder claim. Many insurance policies have clauses that bar benefits for preexisting conditions, and depending on how the claim is processed, your claim could have been denied under this clause.

In other cases, there might have been something in the independent medical exam (IME) which the insurance company used to deny your claim. In this case, it’s essential to gather as much documentation as you can before, during, and after the IME to support your case if you choose to appeal the decision.

To find out more about how mental health is covered under long term disability insurance or schedule a consultation with one of our long term disability claim lawyers in Philadelphia, PA, call Rosen Moss Snyder LLP today!

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