Mental Health
Disability Issues

Can you receive disability for mental illness?

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Wiki User
2011-09-12 14:06:20

"Mental_Illness_Disability" id="Mental_Illness_Disability">Mental

Illness Disability

For information, resources and related links go The National

Council On Disability (NCD)

If you already have a policy you can look at the terms and

conditions section of the policy and see what causes of injury or

illness are covered by the policy. Also, check the exclusions

section to see if bipolar disorder is excluded from coverage.

Review the options for disability coverage and if the

information for the specific plan you want does not indicate

whether there is coverage for bipolar disorder, then ask the

insurance company and get their response in writing.

Some insurance companies do not provide disability coverage for

pre-existing conditions. do you have other illness seeking medical

help for/is it DLA ? You are asking about depending on the severity

of your health illness you may well be entitled to this. Approach

your G.P. Take it from there

More input from FAQ Farmers:

  • The Social Security website contains all the information

    necessary (including d application forms) to determine if a person

    is eligible for SSD and/or SSI. Social Security Online,


  • The question depends on all kinds of different unknowns. Is the

    policy a Group or Individual Policy, What company is the contract

    with, are there any exclusions or riders in the policy discussing

    the matter, what state was the contract written? In the personal

    disability market many companies will provide a benefit for mental

    health nervousness disorders for a period of typically 2-5


To provide a direct response, the answer is yes. There are many

mental illnesses that can prevent a person from being capable of

working and therefore eligible for disability benefits.

To determine whether a mental illness would qualify you for SSD

benefits is almost impossible. It is said that in order to qualify

for SSD benefits, there needs to be a strong indication that your

inability to work will be ongoing for many years. As stated in the

previous response, you can visit the SS website to learn more.

Regarding group or individual disability insurance policies, yes

you are able to receive benefits for mental illnesses. With group

coverage and many of the individual policies available in today's

market place, you will see that these benefits are limited to a

24-month, lifetime benefit period. There are few companies that

still offer benefits on mental illness claims for the contract's

full benefit period. Additionally, mental illness can be excluded

from an individual contract if it is/was an already existing

condition. If you are asking this because you have an existing

policy, check your contract to see if an exclusion was added. If

you are asking this because you are in the market for a policy, you

should know that pre-existing conditions will warrant any insurance

company to exclude these benefits from your coverage.

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