Mental health conditions are among the most common reasons people step away from work, yet the path to financial support afterward may not be straightforward. If a condition like depression, anxiety, PTSD, or bipolar disorder has made it impossible for you to continue working, mental health disability benefits may be available to you. Whether those […]
Mental health claims are treated differently in long‑term disability (LTD) cases because many policies carve out separate rules for mental, nervous, or psychological conditions that do not apply in the same way to physical illnesses. Those rules often involve time limits on benefits, narrower definitions, or heightened evidentiary expectations. This can mean that two people […]
When you navigate the complicated terrain of employer-sponsored Long Term Disability (LTD) benefits, It is crucial to understand how SSA determinations can impact your LTD benefits. First, your SSDI claim will impact the chance of your LTD claim being approved. Your LTD benefits under such a policy typically hinge on proving that you are unable […]
Over 50 million Americans have a mental illness. Despite this overwhelming number, the denial of health insurance coverage for mental health treatment continues to be extremely common, despite federal and state parity laws that are supposed to ensure fairness. On January 26, 2022, our client was admitted to a residential treatment program for teens and […]
Health insurance benefits are meant to cover the costs of necessary healthcare in the event of illness or injury. But what if your limited health insurance provider network makes the benefits impossible to obtain?More and more often we are seeing health insurance policies which have insufficient provider networks. If a health insurance policy provides benefits […]
Make Mental Health & Well-Being For All A Global Priority“We must strengthen mental health care so that the full spectrum of mental health needs is met through a community-based network of accessible, affordable and quality services and supports.Stigma and discrimination continue to be a barrier to social inclusion and access to the right care; importantly, […]
Nearly 50 million American adults live with a mental health condition and more than half do not receive treatment. Over the past couple of years the COVID-19 pandemic has worsened the current mental health crisis and increased the number of people looking for support.The National Alliance on Mental Illness (“NAMI”) has put together the following […]
“I think suicide is sort of like cancer was 50 years ago. People don’t want to talk about it, they don’t want to know about it. People are frightened of it, and they don’t understand, when actually these issues are treatable.” – Judy Collins.According to the International Association for Suicide Prevention:One in every 100 deaths […]
Suicide is a leading cause of death in the United States, according to statistics gathered by the Centers for Disease Control and Prevention. Nearly 46,000 individuals died by suicide in the U.S. in 2020 and some 12.2 million American adults contemplated it. Nearly half a million lives (480,622) were lost to suicide from 2010 to […]
In October 2021, Governor Gavin Newsom signed Senator Scott Wiener’s (D-San Francisco) legislation, SB 221, which requires health plans and insurers to provide patients with timely follow-up care for mental health issues and substance use disorders. That law goes into effect today – July 1, 2022.Previous laws in California required Health Maintenance Organizations (“HMOs”) and insurers […]
