Lawyers for Psychological Disability Insurance Claim Denials

Anxiety, Depression and Mood Disorders?

Mental health conditions, including anxiety, depression and mood disorders, are extremely common and can be caused by a number of things.  While psychological injuries may not offer the same outwardly visible symptoms as a broken leg or spinal cord injury, they can be just as devastating to your quality of life and can leave people totally disabled. Because of the subjective nature of self-reported symptoms, insurance companies will often challenge diagnoses of disabilities arising from mental health conditions.  

The lawyers at Taylor & Blair LLP are experienced in getting the evidence needed to prove your disability arising from mental health issues.

Types of Psychological Disabilities

There are many different types of psychological disorders that can lead to disability, including:

  • Post-Traumatic Stress Disorder (PTSD)
  • Depression
  • Anxiety Disorder
  • Mood Disorder
  • Agoraphobia
  • Situational Phobias
  • Panic Disorder
  • Bi-Polar Disorder
  • Obsessive-Compulsive Disorder (OCD)
  • Schizophrenia
  • Personality Disorder

Common Symptoms of Psychological Disabilities

While different types of psychological disorders will have symptoms specific to the particular disorder, there are some symptoms which are commonly found in many psychological disorders, including:

  • Low Energy
  • Change in Sleeping Patterns
  • Change in Weight or Eating Habits 
  • Difficulty Concentrating
  • Increased feeling of panic and helplessness
  • Difficulty Handling Social Interactions
  • Inability to Deal with Basic Activities of Daily Life
  • Suicidal Ideations
  • Irritability
  • Hallucinations or Delusions
  • Alcohol or Drug Abuse

Treatment for Psychological Issues – Your Recovery

Most people with mental health conditions have their medical treatment done through their family doctor. Be sure to tell them ALL of your symptoms and they will be able to refer you to qualified professionals for treatment of your psychological conditions.

You will want to retain all records associated with your treatment, including any costs incurred that are not covered by MSP. As mental health treatment may require ongoing care, be sure to keep your insurance denial lawyer up to date on your progress. The more they know about your condition, the more they can help ensure that you receive the care to which you are entitled.

Denials are common for long-term disability claims where the symptoms are subjective in nature, which emotional/psychological issues are by their very nature.  Insurance companies will often say that if there are no objective symptoms then the disability cannot be supported.  This is not true.  If you have doctors on your side confirming your disability, then you should be getting the benefits you are entitled to.   

Dealing with an insurance denial can be a stressful and complicated process.  It involves complex contractual issues as well as an understanding of the medical information required to prove your claim.  Having a lawyer who specializes in insurance denial on your side will help to reduce your stress and ensure you get what you are entitled to.  If you have an emotional or psychological long-term disability claim that has been denied, contact the lawyers at Taylor & Blair LLP today.