A great amount of stigma surrounds those with mental illness, but we at The ERISA Law Center understand that there shouldn’t be. Mental illness can affect the way you perform daily tasks and can make working next to impossible. Unfortunately, long-term disability insurers are much more strict when it comes to approving benefits based on mental health than they seem to be when it comes to physical injuries. It’s very likely that your application will be denied and you will need to contact an attorney. That’s where we come in.
UNDERSTAND YOUR CONDITION
Be sure to see a doctor if you suspect that you may be suffering from a mental illness. Clinical depression and bipolar disorder are both serious illnesses that can affect your quality of work as well as your ability to work in general. If your doctor suspects that you may be unable to work because of your condition, be sure to call a long-term disability lawyer.
WHAT TO EXPECT
If your long-term disability request is accepted for either bipolar disorder or depression, it is likely that the payments will be limited to two years. However, there are several illnesses that are exempt from this two-year limitation, such as Alzheimer’s, schizophrenia, or dementia. This means that you may be able to collect long-term disability benefits indefinitely.
To learn more about long-term disability and how The ERISA Law Center may be able to help, contact us today. Our attorneys are prepared to represent you and do our best to get you the coverage you need.