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:
- Eating Disorders
- Obsessive Compulsive Disorder
- Post-Traumatic Stress Disorder (PTSD)
- Bi-Polar Disorder
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.
Denied your long term disability claim?
Contact Share Lawyers today and put our experience to work for you. Our 35+ years of experience can help you win your case against Canada Life, Desjardins, Manulife, RBC Insurance, Sun Life, and other insurance companies. We offer free consultations and there are no fees unless you win your case. Join us on Facebook and become a Top Fan for a chance to win each month.
A note from our long term disability lawyers
Taking a medical leave from work is not an easy decision to make. Concerns about providing for yourself and your family and keeping your job may cause you to want to push through your pain, but this won’t make your problems go away. Stopping work is often the smartest decision for your long term health and well-being, and your disability benefits are there to provide you with financial support until you can return to work.
If you have made the tough decision to stop working and apply for your short term disability or long term disability benefits, you may feel overwhelmed by the process and have questions that your employer and your insurance company are not able or willing to answer. Share is There to see you through and answer your questions.
Our Disability law firm knows what you have been going through
We understand that things have not been easy for you over the last little while. Your health has been suffering, you are unable to work, and now your insurance company, who was supposed to be there in your time of need, has decided they will not pay your disability benefits or respect your disability claim. These benefits exist to provide you with the financial support you need so that you can focus on your health and rebuilding your life. It is unfortunate that your insurance company has not lived up to its promise. If your disability claim has been denied, we will fight to get you the benefits you are entitled to. Our disability lawyers have helped thousands of Canadians get their long term disability benefits over the past 35 years, and we can help you too.
Our experienced disability lawyers can fight back on your behalf
Share Lawyers believes that every client who is dealing with a disability claim deserves superior personal service. To achieve that goal, we have developed our team of experienced, compassionate, and caring long term disability lawyers, law clerks, and administrative staff to meet all of your needs. Our team of experienced long term disability, life insurance, employment, and critical illness insurance lawyers have made successful claims against many insurance companies, third-party administrators and employers.
If you are unable to work, your disability benefits should be there to provide you with the financial support you need. While your insurance company may be focused on finding ways to avoid paying your claim, our focus is on what is in your best interest. When Share Lawyers gets involved, you have an entire team of lawyers that are there to support you and to fight for what is yours.
Our disability claim lawyers fight for your disability insurance claim by relying on our many years of experience to apply the best strategic planning and approach in each case, using the latest technology available. Experience matters, and with Share Lawyers, you are in the best hands with 35 years of success on your side.
In this video, we explain the role of a long term disability lawyer and how we can support you when you have been denied your long term disability benefits.