Does Disability Insurance Cover Mental Health Problems?

Many Chester, NJ residents have asked us at The Insurance Outfit about disability insurance and whether or not it covers mental health problems. Thankfully, we’re here to say that it will help you. However, you need to qualify for it and apply properly.

Problems It Covers

There are many different types of mental health problems that disability insurance will cover. These include schizophrenia, anxiety disorders, depression, bipolar disorder, autism, substance abuse disorders, and even mental development problems. Coverage for these types of problems are based on their severity and whether or not they make it impossible for a person to work. Even a person of normal or above-average intelligence can qualify if their mental health concern is severe enough to make it impossible for them to work.

Other Circumstances Can Qualify

One interesting aspect of mental health disabilities that few understand is how they can help those who cannot handle unskilled work. For example, someone who has developmental impairments or anxiety about performing menial labor may qualify for disability insurance. However, they do need to fill out a special form that details their mental health limitations and why they deserve coverage.

A person who has debilitating mental problems need to have a diagnosis from a trained professional and a guardian who can help them understand what is happening. It may require them to talk to a lawyer or someone who understands these types of problems. That said, if you or anyone you love has these conditions, they more than qualify for disability benefits and insurance.

Get Coverage Today

So if you or someone you love has a mental health problem in Chester, NJ and needs disability insurance, contact us at The Insurance Outfit today. We can provide you with the skilled help you need to get the coverage and benefits you deserve.