At Bonnici Law Group, we receive many calls regarding mental illness claims. Whether it’s for anxiety, depression, or some other mental illness, many of those claims are presented for benefits. There are a lot of details within these policies that you have to know before you apply.
For example, in most group claims, mental illness categories are only covered for two years or 24 months. When completing your application, you want to make sure that you have read the policy and understand how long your benefits may last, and do some future planning for what to do if you are only covered for two years. Some policies will go beyond 24 months, but other things have to be shown. If you are looking to apply because of some mental illness, anxiety, or depression, just be aware of those issues.
Attorney Josh Bonnici can walk you through applying or if you have a denial that comes up with some with an anxiety or depression clause. We are happy to walk you through your issue and see if it is something we can help you with. Give us a call at (619) 259-5199 or click here for a FREE consultation!
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What to Do When Your Insurance Company Denies Your Coverage
If you received an insurance denial for your long-term disability insurance, there is no reason to fret right away. You should hire an attorney, gather the necessary evidence from your Administrative Record, the file an appeal in the next 180 days.
What is the Next Step After a Second Disability Denial?
If an appeal is denied, making it the second denial, the next step would be to file a lawsuit in court under ERISA. Once you get to that stage, it is imperative to have an attorney to make sure that all of the legal proceedings and procedures leading up to and filing a long-term disability lawsuit are initiated correctly.