Which Mental Illnesses Count as Disabilities?

A large percentage of disability insurance claims that we see are regarding mental health issues. Almost any mental health disorder can be cited for a disability claim, but insurance companies use a number of different methods to try to deny these claims.

“Typically speaking, you are eligible to receive disability benefits as a result of any mental health condition that prevents you from being able to work,” explains President of Share Lawyers, David Share. “Depending on the specific wording of your disability insurance policy, however, certain medical conditions may be excluded or not covered under your particular insurance policy.”

At Share Lawyers, some of the most common mental health illness disability claims we encounter include:

  • Depression
  • Anxiety
  • Eating Disorders
  • Obsessive Compulsive Disorder
  • Post-Traumatic Stress Disorder (PTSD)
  • Bi-Polar Disorder
  • Schizophrenia

Many symptoms of mental health disorders are considered invisible, meaning they don’t show up on tests like x-rays and MRIs. Mental health disorders are inherently difficult to diagnose and treat, so insurance companies focus on the absence of treatment or the failure of the patient to obtain treatment for their condition.

If you have a mental health diagnosis that is making it difficult for you to work, and you want to file a claim, you need to determine if you qualify for insurance benefits. Most disability insurance cases depend heavily on medical evidence to prove that the disability is legitimate and should be covered by the policy in question. This can become more challenging in cases that focus on mental health. The first step to filing a successful claim for your mental health disability is talking to your doctor about your health issues, and having these issues documented on record. The support of your physician can have a big impact on your case.

Has your long-term disability claim been denied? Contact Share Lawyers and put our experience to work for you. We offer free consultations and there are no fees unless we win your case.Find out if you have a disability case.

We have recently settled cases against Scotia Life, Manulife, Sun Life, Great West Life, and many more.

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