Should bipolar disorder be classified as a mental nervous condition and limited to 24 months of benefits?

Attorneys Dell & Schaefer often battle with disability insurance carriers in determining whether bipolar disorder is a mental nervous condition or an organic brain disorder.

In a long-term disability policy a mental nervous condition is usually limited to a maximum of 24 months of benefits; whereas a physical condition such as bipolar would usually not be limited to 24 months if it is proven to be an organic brain disorder. Disability carriers will regularly challenge a diagnosis of bipolar as they are aware that it has been classified in the medical literature as an organic brain disorder.

There are a variety of legal court decisions around the country that have classified bipolar disorder as an organic brain disorder. If a long-term disability policy does not include bipolar disorder in a mental nervous limitation clause, then a claimant should challenge any attempt to classify bipolar disorder as a non-physical illness. A skilled psychiatrist and psychologist are a critical component in appropriately documenting bipolar disorder.

Click here to learn more about Bipolar disability claims.

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Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

Dell & Schaefer Client Reviews   *****

Janet

I worked with Rachel Alters, who was very knowledgable about ERISA, my health condition and the best way to present information to my private LTD company. Being disabled, I am always tired, have little energy and have trouble concentrating, remembering things, etc. Rachel always maintained professionalism, would repeat the process if necessary and made things as easy on me as possible. She always made herself available if I requested a teleconference and her assistant was always prompt about returning my calls and providing information I requested.

In a professional setting, I’ve worked with attorneys for years and had to review and sign contracts. I know from personal experience that a contract is only as good as the people who stand behind it. I put my trust in Rachel and she delivered. We were able to get my LTD company’s denial decision reversed and I was put back on plan after she threatened to sue when they initially upheld their original decision to deny my claim. Having backpayment and being put back on plan definitely helps with my financial stress and I know it has taken its toll on my health.

I hope now that I have some financial security, I can focus more on getting better and do so more quickly. There is no doubt that I couldn’t have done this without Rachel. She guided me through the whole process, making sure that appropriate things were documented, we received the right information from the right medical professionals, had tests performed when needed, etc. It was a pleasure working with her and her team.

***** 5 stars based on 202 reviews

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