Long-Term Disability: How Health Insurance Fails Us

If we go back and compare how we treated mental illnesses at that time compared to how we treat them now, we will notice a massive improvement. However, our accomplishments aside, it is still important to remember that we still have a long way to go. If you happen to be going through any sort of mental illness or know someone who might be going through a mental illness, it is safe to say that you understand how debilitating the condition can be. Simple tasks like getting up and making breakfast can seem like it’s the most difficult job in the world.

Depending on the extent and severity of your illness, it is understandable if you want to file for a long-term disability claim, because it is after all your right to be taken care of and provided the necessary benefits and coverage to be able to live your life with dignity. However, the problem with insurance companies regarding long-term disability claims and mental illnesses is that they fail to recognize mental illnesses as a disability, especially if they don’t have visible and solid proof.

A lot of physical illnesses can be shown through scans and such, however, with mental illnesses, while they are diagnosable, cannot be shown on scans or certain important tests that health insurance companies recognize. This is why they can actually end up terminating your benefit or rejecting it. You should not get discouraged by this because you have another option, and that is to hire an injury and insurance lawyer to take over and represent your case in court so that you get the benefits and care that you deserve. If you happen to be interested, you can learn about disability claims by visiting various websites online or holding a consultation with an insurance lawyer yourself.