Mental Disorders and How to Collect Your Long Term Disability Benefits

Attorneys Gregory Dell and Rachel Alters discuss mental health and mental nervous disability claims. Becoming disabled due to mental health is common. However, insurance companies often deny mental health claims because the symptoms are difficult to measure. Disability insurance companies will often minimize mental health symptoms. Insurance companies will look at how often you are treating, whether any testing has been done and what other activities you claim you can or cannot perform. Frequent treatment is crucial and frequently telling your therapist, doctor, psychologist, or psychiatrist about all of your symptoms and why you are unable to work is essential to getting disability benefits approved.


Reporting your medications and any side effects is also important. Unfortunately, many insurance disability policies may limit your benefits to 12 or 24 months if you are disabled due to mental health. However, if you are hospitalized or have physical conditions, it should all be reported as it may extend your eligibility for benefits, especially if your mental nervous disorder is the result of physical problems or pain. Most physical conditions are not subject to a policy limitation. Insurance companies will try to ignore or minimize any conditions that are not subject to a limitation.


00:00 – Mental and Psychiatric Disorder Disability Insurance Claim Tip and What to Expect

01:30 – The mental disability claims are always challenged due to the subjective nature of the complaints.

02:55 – Continuous medical treatment and strong documentation by your treating doctors is the key to disability benefit approval.

04:37 – You should always have a Psychiatrist as a member of your medical care team.

08:39 – Anxiety or depression that is secondary to a primary physical condition should prevent a claim from being subject to the mental nervous disorder benefit limitation.

12:09 – Neuropsychological testing is a medical test performed by a neuropsychologist which can be used to provide objective evidence of cognitive impairment.


For an immediate free consultation with one of our nationwide disability insurance lawyers please 📞 call 888-292-8481 or 💻 email https://www.diattorney.com/contact/?r.... We do not charge any fees or costs unless we are able to recover benefits. No office visit is necessary.