Can you receive disability for mental illness?
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.