Today, several lawyers come across a huge amount of disability cases owing to mental ailments. They have assisted several clients who suffered from mental health issues, such as bipolar disorder, depression, panic disorder depression, post-traumatic stress disorder, and many more.
The Center for Addiction and Mental Health states that mental illness is one of the principal causes of disability in the United States. And it can affect a person’s personal and professional life as well. Here, you need to learn more about the process of claiming disability benefits for mental health.
And here, there’s something unfortunate that takes place! At times, the disability claims and benefits for mental ailments get denied by the insurance organizations. And the reasons for this are many. You need to know that a mental ailment is an “invisible” ailment, which means that it’s not apparent when a person is suffering from a mental problem. Also, there’s a certain stigma linked with mental illness, which makes many people conceal their ailment from their friends, family, co-workers, and health care professionals. Do you want to know why the disability benefits get denied? If yes, this article can help you.
Not enough medical evidence
One principal reason for which the insurance organizations don’t approve of mental ailment claims is because of not sufficient medical evidence. It is mostly because this problem is an “invisible” problem. And for this, there are zero diagnostics and imaging tests done for proving the ailment. Hence, it becomes challenging to make an invisible ailment visible. And the insurance company might not grant the claim if there is no proper documentation.
At times, people are highly forthcoming and honest about sharing their signs and symptoms with the insurance company, even then they see no positive outcomes. According to these companies, the signs don’t exist until it has tangible evidence. Hence, the treatment providers and doctors need to assess your case and provide you with the required medical documents. It can comprise of drafting a letter to the concerned insurance organization highlighting the limitations, symptoms, restrictions and details of the treatment so that the claim gets approved.
Not getting apt treatment
It is necessary to get end-to-end treatment for having the correct record of your condition. Also, the majority of disability policies have provisions that state that the insurance organization can terminate or deny the claim if you didn’t get apt treatment.
It is necessary to know that mental ailments are a condition that can get treated. Hence, the concerned people must get engaged in the correct treatment to highlight that they are trying their best to recover to their insurance organizations. It can comprise of visiting a physician’s office daily. Here the physician doesn’t refer to a nurse practitioner or a naturopathic doctor. It is important to consult a family doctor or a reputed psychiatrist consistently. The visit should take place regularly, which includes on a monthly or a bi-weekly basis. And it’s always crucial that you have evidence of your physical conditions to ensure that the doctor is treating you correctly and managing your medications well.
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