| Message |
Author |
|
 Posted: Tue Nov 30, 2010 3:48 am Post subject: disability for mental illness? |
|
|
i am wondering if you can you receive disability for mental illness? thanks for any answers.
_________________
insurance forum - health insurance forum |
|
mlight5378
New member
Joined: 30 Nov 2010
Posts: 10
1.96 Dollars($)
|
|
| Posted: Thu Dec 02, 2010 11:21 am Post subject: |
|
|
There should be one for mental illnesses if they keep you out of work. But in the end, it has to be supported by your medical documents. If it makes you sit at home and without a job then that's reason enough.
_________________
Register Now to have your Insurance queries solved. |
|
anonymous00
Guest
|
|
| Posted: Sun Dec 05, 2010 10:26 pm Post subject: |
|
|
| Quote: | | If it makes you sit at home and without a job then that's reason enough. |
Not unless it is certified by a licensed health care professional, such as an MD or DO, possibly a RNP or a psychotherapist. And in some cases, an MSW may have the credentials to do so.
_________________
CA-licensed P&C Broker-Agent and Life Agent. CA Insurance Lic #0596197. Now investigating insurance company abuses, and providing litigation support and expert witness services. Send me your questions, and I'll send you my answers. |
|
MaxHerr
Moderator
Joined: 29 Nov 2009
Posts: 4618
Location: Pomona CA
208.83 Dollars($)
|
|
| Posted: Mon Dec 06, 2010 4:51 am Post subject: |
|
|
Hey Max, I didn't quite understand what you meant by an RNP. I could associate it with the psychotherapist though
_________________
Register Now to have your Insurance queries solved. |
|
anonymous00
Guest
|
|
| Posted: Mon Dec 06, 2010 9:31 am Post subject: |
|
|
Sorry . . . Registered Nurse Practitioner (also, just NP). They may or may not have authority to define mental disability -- varies according to state laws.
_________________
CA-licensed P&C Broker-Agent and Life Agent. CA Insurance Lic #0596197. Now investigating insurance company abuses, and providing litigation support and expert witness services. Send me your questions, and I'll send you my answers. |
|
MaxHerr
Moderator
Joined: 29 Nov 2009
Posts: 4618
Location: Pomona CA
208.83 Dollars($)
|
|
|
|
goodyphilips
Preferred member
Joined: 12 Jan 2010
Posts: 190
18.98 Dollars($)
|
|
| Posted: Tue Dec 07, 2010 8:09 am Post subject: |
|
|
What the "National Institute of Disability and Rehabilitation Research" believes qualifies for a benefit from a disability income policy and what an insurance company defines as a disability in its CONTRACT are not necessarily the same thing.
If the insurance company will not pay because the insured does not fit the definition of disability in the contract, not only will that insured not receive a benefit from the insurance company, I doubt the NIDRR will pay them either.
Additionally, the writer of that article on eHow probably has no direct experience with the Social Security Administration when it comes to disability benefits. He writes:
| Quote: | | you may qualify for disability coverage if you are unable to work for a year or more and make less than $1,000 a month because of mental illness or other disability. |
(emphasis added)
Unfortunately, SS does not care if you are unable to work, they use a definition that states: "Unable to perform any substantial gainful activity." Activity and work are two different things to them. You may not be able to work, but that doesn't mean you cannot perform any activity. That's why almost 80% of first time applications for SSDI benefits are rejected.
The "details" a person needs to be aware of are those written in their insurance contracts -- not only their disability income contract, but all their insurance contracts.
_________________
CA-licensed P&C Broker-Agent and Life Agent. CA Insurance Lic #0596197. Now investigating insurance company abuses, and providing litigation support and expert witness services. Send me your questions, and I'll send you my answers. |
|
MaxHerr
Moderator
Joined: 29 Nov 2009
Posts: 4618
Location: Pomona CA
208.83 Dollars($)
|
|
| Posted: Wed Dec 08, 2010 1:51 am Post subject: |
|
|
This is really hiding behind the words to reduce their losses but a naive person can get easily be duped by the diplomatic terminology.
_________________
Health Insurance Quote |
|
goodyphilips
Preferred member
Joined: 12 Jan 2010
Posts: 190
18.98 Dollars($)
|
|
| Posted: Wed Dec 08, 2010 11:22 am Post subject: |
|
|
| Quote: | | This is really hiding behind the words to reduce their losses but a naive person can get easily be duped by the diplomatic terminology. |
What exactly does this mean? Sounds to me like the ramblings of "a naive person."
"Duped by diplomatic terminology" is BS. If you want diplomatic terminology, continue to get your information from "advocacy" websites such as the National Institute of Disability and Rehabilitation Research or the Tree Huggers of the World. Their rhetoric is often 180 degrees opposite what is established in the law, and is intended to provoke some other kind of response.
When you want to discuss insurance, then we can talk.
Every contract of insurance, and every government benefit plan, has EXPLICIT LANGUAGE, LEGAL TERMINOLOGY, and SPECIFIC QUALIFICATIONS -- and sometimes mandatory words and phrases per state/federal law. As regards qualifying for Social Security Disability, that's precisely what was posted above your ridiculous remark.
None of it gives anyone something to "hide" behind. You are either covered for your losses or not. If you don't like the "rules" you don't have to play the game.
The real problem with Social Security, in all its components, is that it is known as an "entitlement" program. Because of that, everyone thinks they are "entitled" to collect a benefit according to their own terms. It doesn't work that way.
_________________
CA-licensed P&C Broker-Agent and Life Agent. CA Insurance Lic #0596197. Now investigating insurance company abuses, and providing litigation support and expert witness services. Send me your questions, and I'll send you my answers. |
|
MaxHerr
Moderator
Joined: 29 Nov 2009
Posts: 4618
Location: Pomona CA
208.83 Dollars($)
|
|
