Mental disorders, such as severe depression, anxiety, PTSD, etc., can cause total or partial disability. Whether or not you will be able to collect disability benefits as a result of a mental condition depends on several factors, including the terms of your policy, the nature of the mental condition, and the duties of your prior occupation, among other things.
Insurers often deny mental disability claims on the ground that the claimant’s subjective symptoms do not provide objective, verifiable evidence of disability. In addition, even if your claim is approved, the amount of time that you are able to receive benefits may be drastically reduced if your policy contains a mental illness limitation provision.
Click here for more information about mental illness limitation provisions and the unique challenges of mental disability claims.