Bipolar Disorder LTD Attorneys at Burke, Harvey & Frankowski, LLC
Lawyers Helping You Pursue Long Term Disability Benefits
Bipolar disorder, commonly referred to as manic depression or manic-depressive illness, is a brain disorder that dramatically impacts the mood of the sufferer. Individuals living with bipolar disorder may be subjected to incredible mood changes and waning or increasing energy levels and activity levels. Bipolar disorder can directly impact your ability to function during life’s routine tasks, not to mention when attempting to accomplish your duties at work.
If you suffer from bipolar disorder and are unable to work due to the symptoms, you may be entitled to long term disability benefits under your employer’s coverage plan. Unfortunately, determining if you are eligible for benefits, and actually obtaining those benefits are two very different steps; successfully obtaining LTD benefits can be a difficult task, especially while dealing with the symptoms of bipolar disorder.
You do not have to face the LTD claims process, alone, however. Our bipolar disorder LTD lawyers leverage more than 50 years of combined experience to offer the support you need to pursue the benefits you are entitled to.
The Unique Challenges Associated with Bipolar Disorder Claims
Under many LTD coverage plans, individuals who are prevented from working due to mental health disorders are limited in the length of time that they can receive benefits – in most cases, 24 months. As an organic brain disorder, bipolar disorder is an unusual case, however. The condition is actually classified as a physical disorder, with many legal court decisions upholding the ruling that LTD insurance claims for bipolar disorder fall under the physical condition category, and therefore cannot be limited to 24 months.
Insurance companies are quick to deny bipolar disorder claims, hoping that you will back off from your pursuit of benefits.
Unable to Work? Our Long Term Disability Lawyers Can Help.
We have the skills and knowledge needed to guide you through the various steps in the process of filing a claim for long term disability benefits. Working closely with you, we will help you address each step in the process, including:
- Gathering documentation: Every insurance company that offers long term disability coverage requires detailed information on your condition, your work and the impact your condition has on your ability to function. We will help you gather all of the necessary documentation needed to complete your claim, including medical records, pay stubs and doctors’ and psychiatrists’ notes.
- Filing your claim: Our staff will walk you through the process of filing your claim, carefully explaining every question and how it applies to your unique situation. By filing your claim as completely and accurately as possible, you put yourself in the best possible position to obtain approval of your benefits claim.
- Appealing a denial: unfortunately, many bipolar disorder claims are denied immediately. However you should not panic; you have the right to file appeals internally with the insurance company, as well as the right to a federal review of your claim under an ERISA lawsuit. We will help you file however many appeals are necessary to help you obtain benefits or exhaust your legal options. We are committed to helping you recover benefits, and only collect legal fees if we are successful in doing so.
Contact us online or call 888-880-9046 to schedule a free consultation to discuss your case with a bipolar disorder LTD attorney today.