Many people afflicted with bipolar disorder find themselves struggling to carry out their daily activities. The fluctuating symptoms may lead to serious complications in functioning and problems with personal relationships – making it difficult to hold down a job. Even with proper treatment, bipolar disorder can be problematic to manage.
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“Jim” was a 62 year old chief executive officer of a nationally known nonprofit organization. Jim quickly rose through the ranks of various nonprofit organizations, but once he reached the pinnacle of his profession, he became afflicted with Bipolar II disorder. Although Jim could work at a less demanding occupation, he could no longer handle the stress and long hours required of his job as a CEO. Jim applied for partial disability benefits and found employment elsewhere as a consultant.
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People who suffer from a disability causing both physical and mental symptoms can face certain challenges in filing their long term disability claims. Insurers often try to categorize these claims as strictly "mental" in an effort to limit liability. This is because most long term disability policies limit benefits to 12 or 24 months when the disability is caused by a mental illness. Under these provisions, benefits will stop after one or two years even if you remain totally disabled.
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