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Info Library

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: Strategy - Limitations and Restrictions

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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Exertional vs. Non-Exertional Limitations in Long Term Disability Claims

Strategy Strategy - Limitations and Restrictions Strategy - Exertional Limitations Strategy - Non-exertional Limitations

You feel fine physically, but you have difficulty concentrating.  It happens mostly when you are stressed.  You can do all the physical aspects of your job, but are now taking too much time to read all the material you must read.   Sometimes you need to read the same paragraph three times before you understand it.  Are you disabled from your job?   Can you collect disability benefits?

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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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Pre-Existing Condition Limits in Disability Insurance

Pre-existing Conditions Strategy - Limitations and Restrictions

All insurance policies have limitations in what they cover. One such limitation in long term disability (LTD) coverage is for pre-existing medical conditions. It is preferable that an individual who is seeking LTD policy coverage has had no prior medical concerns, but not everyone’s health is ideal. As our NY long term disability lawyers know, having a pre-existing condition is a variable, and how it exactly will impact the individual claimant is a matter involving the nature of the condition, the type of coverage being sought and the underwriters of the insurance company involved.

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