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

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

Attorneys Dell &amp; 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.

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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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.

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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.

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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.

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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.

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Mr. Symonds was very instrumental in helping me get justice for my insurance company who failed to pay me rightfully for my claim when I got sick and could not work anymore.

Very grateful for his time and work to seek what is right against big insurance companies that take people like myself for advantage.

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

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Questions About Hiring Us

Do you work in my state?

What are your fees?

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

How can I contact you?

Dell & Schaefer Client Reviews *****

John L. (Utah)

Speak With An Attorney Now