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Find answers to your disability claim questions.

Welcome to our Info Library.

The Info Library is a resource for people who have questions about disability insurance benefits, insurance companies, medical conditions, occupational demands, claims, appeals, and litigation.

Think of it as a practical guide to disability claims. Our goal is to explain common issues in clear, useful terms so you can better understand the process, the risks, and the decisions that may affect your benefits.

New articles are added regularly.

 

Category: Policies - Mental Illness Limitation

Depression and Long Term Disability: What Evidence Matters

Mental Illness Limitation Diagnosis - Anxiety Diagnosis - Mental Illness Diagnosis - Depression

Depression isn’t just a sad mood – it’s a severe clinical condition that can lead to serious problems in functioning for those who suffer from it. The symptoms of major clinical depression can make it difficult to carry out your day-to-day activities, including working.

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Long Term Disability Claim Tips for Bipolar Disorder

Mental Illness Limitation Strategy - Limitations and Restrictions Diagnosis - Mental Illness Diagnosis - Bipolar Disorder

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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Mental Illness Limits in Disability Insurance Policies

Mental Illness Limitation Diagnosis - PTSD Diagnosis - Anxiety Strategy - Limitations and Restrictions Diagnosis - Mental Illness Diagnosis - Bipolar Disorder Diagnosis - Depression

Your long term disability policy may limit your period of eligibility if your disability results from a psychiatric condition.  This is commonly referred to as a Mental Illness Limitation.  Notably, the limitation may affect you even if you are not disabled due to a psychiatric condition.

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What Is Not Covered by Long Term Disability Insurance?

Mental Illness Limitation Offsets Exclusions Strategy - Limitations and Restrictions Eligibility Limitations

More and more people are investigating long term disability coverage these days and with good reason; a study conducted by the Council for Disability Awareness, reports that one out of four 20 year olds will have a long term disability before they reach 65 years of age. Moreover, the average time they will be out of work is over two years. Long term disability insurance is typically offered through employers, but individuals can also buy it on their own.                                                        

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

Mental Illness Limitation Diagnosis - Tinnitus Diagnosis - Lyme Disease Diagnosis - Fibromyalgia Diagnosis - Fatigue Strategy - Limitations and Restrictions Diagnosis - Chronic Pain Diagnosis - Headaches Diagnosis - Cognitive Impairment Diagnosis - Chronic Fatigue Syndrome (CFS) Diagnosis - Babesiosis

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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