Info Library

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The Info Library

Welcome!  The Info Library is an internet-based resource that addresses in one place your questions and concerns about disability benefits, disability insurers, your illness, your occupation, and filing a claim, appeal or litigation.  In other words, a "Wikipedia" for disability claims.  If you would like to automatically receive new posts, please subscribe below.



Category: Illnesses - Mental Illness

Long Term Disability for Mental Illness: What You Need to Know

Illnesses Mental Illness

As the dialogue around mental health grows, so does the recognition of the profound impact that psychiatric conditions can have on your ability to work and function.  If your mental illness prevents you from performing your job duties, you may be eligible for long term disability insurance benefits.

However, it’s important to understand that mental illness disability claims are often more complex and difficult to navigate compared to claims with disabling physical conditions.

Here’s what you need to know before filing your long term disability claim for mental illness.

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Can Physicians File A Long Term Disability Claim for Burnout?

PTSD Anxiety Mental Illness Strategy - COVID-19

Are you mentally exhausted from the never-ending flow of COVID patients?  Have you seen more death and suffering than you can even think about?  Are you frustrated, angry, unmotivated, and feeling helpless? You’re definitely burned out, but are you disabled?

Since the COVID-19 pandemic began, an unprecedented number of physicians are reporting mental health conditions ranging from anxiety and depression to post-traumatic stress disorder.  In a recent study published in The Lancet, researchers from the American Medical Association and Hennepin Healthcare surveyed 21,000 U.S. healthcare workers, nearly 3,000 of whom were physicians.  Almost a third (29.9%) of doctors reported experiencing high stress.  Nearly half (47.7%) reported symptoms of burnout; more than a third (37.3%) said they felt overloaded with work.

As a doctor, you’re used to seeing your patients apply for disability benefits, but the process can seem entirely foreign when it’s your own claim.  Is burnout a covered disability?  Where do you start when you need to file a long term disability claim?

It’s a complicated process.  Here’s what you need to know.


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Can You Get Long Term Disability for an Anxiety Disorder?

Illnesses Mental Illness

Everyone experiences anxiety from time to time – but those who suffer from anxiety disorders know firsthand how paralyzing it can be to function day-to-day. If you’ve been diagnosed with an anxiety disorder, your symptoms may significantly interfere with your ability to perform your job duties.

You may consider filing a long term disability insurance claim due to your anxiety.

Here’s what you need to know before filing your long term disability claim for an anxiety disorder.

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Long Term Disability Claim Tips for Bipolar Disorder

Illnesses Mental Illness

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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Your Insurer May Try to Characterize Your Physical Disability as a Mental Illness

Illnesses Depression Anxiety Mental Illness Bipolar Disorder

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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