Psychiatric Conditions Associated With Disability Claims
Clinical depression, severe anxiety or other psychiatric conditions can make it impossible to perform the high-level tasks associated with being an executive or other professional. Unlike many physical disabilities, mental and nervous conditions are difficult to substantiate with MRIs, CT-scans or other objective medical evidence that insurance companies like to see. Consequently, many private disability income insurance policyholders suffering from these disabling conditions confront significant obstacles when trying to obtain the benefits for which they paid.
Increasingly, private disability income policies exclude coverage for mental health claims or limit eligibility for benefits to a maximum of 12 or 24 months. To obtain benefits, many policyholders are forced to provide their insurance companies with comprehensive, long-term medical documentation to prove the validity of their diagnoses. In turn, insurers will often attempt to discredit policyholders’ claims by deeming their medical records inaccurate or incomplete.
The Right Attorney Can Make All The Difference
At Surrano Law Offices, we have a proven record of working successfully with policyholders struggling to cope with depression, anxiety and other mental illnesses. We are familiar with all the strategies that insurers use to delay, deny or undervalue mental health disability claims. We will work to help you get the benefits you need to support your family during this difficult time. Contact us today.
If you are disabled by a mental or nervous condition, your insurance company is likely to dispute your claim for benefits; this is why it is critical that you begin treatment with a qualified psychiatrist or psychologist to document the serious nature of your condition and how it impedes your ability to perform your job.
If you are suffering from a chronic physical condition such as fibromyalgia or chronic fatigue syndrome, your insurance company may attempt to categorize your disability as a mental illness in order to avoid paying you full benefits. Our accomplished attorneys know how to effectively counter this tactic and compel your insurer to give your claim full and proper consideration.
Contact Our Experienced Private Disability Income Attorneys Today
Contact us to speak with a lawyer experienced in psychiatric conditions associated with disability claims. Located in the Phoenix area, our law firm represents clients throughout Arizona and, in some cases, California, Nevada, and Kentucky. We welcome inquiries and referrals from individuals and other attorneys.