When Accidental Death Isn’t “Accidental”: How Insurers Use Policy Language to Deny AD&D Claims
Accidental Death and Dismemberment (AD&D) insurance promises financial protection after an unexpected tragedy. These policies are marketed as straightforward—if a person dies or suffers a serious injury due to an...
Understanding the Timeline: What Happens After You File a Long-Term Disability Claim?
Filing a long-term disability (LTD) claim is a significant step toward securing the benefits you need to maintain financial stability during a serious medical challenge. But what happens next can...
How to Respond to a Request for Additional Documentation During the LTD Review Process
If you’ve filed a long-term disability (LTD) claim, receiving a request for additional documentation from the insurance company can feel both stressful and confusing. You may wonder what’s missing, whether...
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I struggled to continue to practice as a dentist after I was diagnosed with MS. After I developed a tremor in my hands, I knew I could no longer treat...
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Psychosis Disability Claims Attorneys Representing Policyholders Throughout the U.S.
At Disability Insurance Law Group, our nationwide claims attorneys know Psychosis is a mental health condition characterized by a disconnection from reality, which may include symptoms such as delusions, hallucinations, impaired thinking, and disrupted insight.
Psychosis can be triggered by:
Abuse or trauma.
Alcohol and smoking.
Physical illness or injury.
Prescribed medication.
Recreational drugs.
Recovery from psychosis varies from person to person. Some people recover quickly, while others may need weeks or months. This is where disability insurance can make an essential difference in their lives.
When a disability insurance claim is denied, it can physically, emotionally, and financially devastate people living with Psychosis. We want to help.
Our national Psychosis disability insurance attorneys assist policyholders through the U.S. in strategically submitting their claims by outlining the severity of their conditions, compiling the necessary medical records to support their disabilities, and negotiating with their private or employer-provided insurer to achieve the benefits they are entitled to for their impairment.
Call us today to learn more about how we have successfully produced real results for real people across the U.S. who need our help and how we can assist you in moving forward with confidence during a free consultation.
When is Psychosis Considered an Impairment?
Psychosis is considered an impairment when it significantly interferes with an individual’s ability to carry out daily activities, maintain employment, and engage in social interactions.
Mental health professionals, including psychiatrists and psychologists, often make determinations of impairment due to psychosis. These professionals assess the impact of symptoms on various aspects of an individual’s life and functioning.
Here are some considerations for when psychosis may be considered an impairment:
Functional Impairment
If psychosis significantly impairs a person’s ability to perform basic activities of daily living (ADLs), such as personal hygiene, eating, dressing, and maintaining a safe living environment, it may be considered an impairment.
Occupational Implications
Psychosis can impact a person’s ability to work. If the symptoms interfere with job performance, attendance, and the ability to interact with colleagues or customers, it may be viewed as an impairment.
Social and Interpersonal Functioning
Psychosis can affect social interactions and relationships. It may be considered an impairment if it leads to isolation, strained relationships, or difficulty in participating in social activities.
Cognitive Functioning
Impaired cognitive functioning associated with psychosis, such as difficulties in concentration, memory, and problem-solving, can contribute to disability.
Safety Concerns
If psychosis poses safety concerns for the affected individual or others, it may be considered an impairment. For example, if someone is unable to make sound judgments due to psychotic symptoms, it can lead to risky behaviors.
Duration and Severity
The duration and severity of psychotic symptoms are essential considerations. Chronic or severe psychosis that persists over time and significantly impairs overall functioning may be viewed as an impairment.
Response to Treatment
The effectiveness of treatment in managing psychotic symptoms is also considered. If symptoms are not adequately controlled with treatment, it may contribute to the severity of impairment.
It is important to note that psychosis is a complex mental health condition with varying degrees of severity and presentation. Treatment options may include medication, psychotherapy, and support services. If you are filing a disability claim based on psychosis, or if your claim has already been denied, we can help.
Whether your disability insurance coverage was underwritten as a private or employer-provided policy, we have over 50 years of combined experience pursuing all insurance coverages and corporations for the benefits policyholders nationwide deserve.
At Disability Insurance Law Group, we also offer insurance claims for the following conditions:
Contact our national Psychosis disability insurance attorneys today by calling 954-989-9000 or contact us online to schedule a free and confidential case assessment so we can put our legal skills and resources to work for you — no matter where you live or work in the U.S.
Do You Need Legal Counsel? We Invite You To Contact Us For A Free Consultation.
Fill out the form and we’ll be in touch with you shortly, or call us now at 954-989-9000.