Denied Bipolar Disorder Disability Claims For Ltd Insurance
Can Bipolar Disorder be a Basis for Disability Benefits?
Marc Whitehead & Associates aggressively represents insurance policyholders that have had bipolar disability claims unfairly denied. We can help you;fight the insurance companys denial;whether you personally bought the policy, or the policy was issued through your employer. Many disability insurance policies contain language that classifies mental impairments such as bipolar disorder, as a mental nervous condition. Defined as such, typically only 24 months compensation is allowed. However, this may not be accurate if the bipolar disorder is a biologically based illness. This then becomes an argument of an unacceptable assignment of the disorder in the policy language. Insurance companies will use many other tactics to defend their decision to deny your award of disability benefits. Common tactics include:
Strategies to overturn denied claims for bipolar disorder disability will vary greatly depending upon which type of long-term disability policy you are fighting. We understand the reasons and excuses that insurance companies use to deny claims for mental disorders. Let us fight to hold your insurance company accountable, so you may recover the benefits you are due. As;Board Certified Social Security Disability attorneys, we want you to know that we will personally work with you to provide the help you need to appeal the denial. No matter where you live, we can help. Disability Benefits Program OptionsYou will most likely be applying for one of two main disability programs offered by the Social Security Administration: Social Security Disability Insurance or Supplemental Security Income . SSDI is for disabled workers and who have paid Social Security taxes from their paychecks. You will asked for a job history when you apply, which will show that you have worked for long enough to qualify for SSDI. This makes SSDI more suited for working adults. http://www.disability-benefits-help.org/ssdi/qualify-for-ssdi SSI is another benefit program similar to SSDI, but is intended specifically for elderly and disabled individuals. Instead of a job history, you will be asked to demonstrate that you meet the SSAs strict financial limits. This makes children good candidates for SSI, since they will not have had much experience working. In the case of applications for children, the Social Security Administration will ask a parent to submit part of their finances for evaluation as well. How The Ssa Evaluates Claims For Bipolar Disorder And Other Mental Health IssuesThe good news is, the SSAs Blue Book does include a listing for depression-related mental illnesses. This includes bipolar disorder and what it calls personality and impulse-control disorders, which includes BPD. You can read the claim evaluation criteria listed there, but its quite difficult to understand unless youre a doctor. Regardless of your diagnosis, the part that matters when you apply for disability benefits is always the same. Heres what the SSA looks for when you file your application, no matter what health issues you have:
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