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Mental and chemical dependency claims more likely to be denied

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Physical conditions and disabilities are the reason that many people file disability insurance claims to help them get by when they are unable to work. However, mental disabilities and chemical dependency issues can also prevent people from working.

As FindLaw notes, the millions of Americans who suffer from mental illness can find their job performance impacted. Despite our growing understanding that mental illness often results from issues in the brain that are beyond the patient's control, it is still stigmatized and treated differently from physical illnesses and disabilities by insurers.

That means that claims for these types of disabilities are more likely to be rejected. Even if they are approved, the period of time for which benefits are paid may be shorter than needed.

Our firm understands that mental disabilities, whether post-traumatic stress disorder, depression, anxiety or any number of issues are very real. So are drug and alcohol dependency. People suffering from these disorders need time to get the treatment required to get healthy.

We understand that insurance companies handle mental and chemical disability claims in their own unique way. That's why we recommend that people consult with us before filing a claim. People with mental and chemical disability issues and their families are under enough stress already. Filing a disability claim can often compound that stress.

Our experienced disability claims attorneys work with psychologists, doctors and other medical professionals in preparing claims. This proactive assistance helps our clients avoid common mistakes that can get a claim denied and prevent or postpone payment of much-needed benefits.

FindLaw points out that federal laws such as the Americans with Disabilities Act and the Mental Health Parity Act as well as state laws protect people with mental illness from discrimination. They have given disability attorneys ammunition for fighting such discrimination.

If you or a loved one who is suffering from mental illness or chemical dependency has had a disability claim denied, our attorneys can review the situation. We offer free consultations and case evaluations. We may be able to get the benefits necessary to help get the financial support needed during a difficult time so that you or they can get the treatment needed to return to the workforce and to a fulfilling life.

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