Mental illness can be just as disabling as physical illness.
If you have been diagnosed with schizophrenia you may be unable to work and qualified to receive Long Term Disability benefits. Requirements for collecting Long Term Disability vary depending on your disability insurance provider. It is important to hire an experienced and knowledgeable disability attorney who can work with you to determine if you qualify and who can help you if you’ve been denied. Our attorneys have years of experience helping people in Austin, San Antonio, Houston, Dallas, Fort Worth, Galveston, Corpus Christi and Central Texas get the help they need for their disability.
Schizophrenia is a mental condition characterized by isolation, social withdrawal, hallucinations, delusions, and disrupted thinking.
Contrary to the typical cultural portrayal, schizophrenia does not involve a split personality and is distinct from multiple personality disorder. This condition can have a tremendous influence on how you think, feel, and work. While qualifications vary among insurers, in general, there are three basic things you will need to prove in order to have a successful claim:
- That you have the disease.You will need a diagnosis from a qualified mental health professional. Symptoms usually appear in early adulthood. A physical exam and psychological examination are used to diagnose schizophrenia. If you have had two of the following symptoms for over a month, you may have schizophrenia:
- Disorganized speech, such as not making sense to others when you talk
- Very disorganized or catatonic behavior, such as sitting or standing in unusual positions for a long time
- Negative symptoms, such as having no emotion, not being able to feel pleasure, or having a hard time focusing
Your health care provider may suggest other testing including blood tests, CT Scan or MRI. Depression, self-harm, anxiety, substance abuse and social isolation often complicate and exacerbate schizophrenia.
- That the disease prevents you from working. Serious schizophrenia is a detachment from reality. Most people suffering schizophrenia require assistance with everyday activities. People suffering with schizophrenia may have difficulty finding pleasure in activities they once enjoyed, feel generally emotionless, having difficultly empathizing with others, have trouble focusing, lose interest in meeting goals, and have difficulty keeping up with hygiene. Like any disease, not all schizophrenics will experience all symptoms. You will need to prove the symptoms of the disease leave you unable to perform your job duties.
- The disease will prevent you from working long term. Criteria varies among insurers, but most often you will need proof you will be unable to perform your current job duties for two years.
There is a lot of stigma surrounding mental illness and many long term disability insurance providers deny or limit mental illness claims.
It can difficult to apply successfully and get approval, especially considering the effects of the condition. Bemis, Roach & Reed can help you if you have been denied. Our attorneys understand the process can be complicated and the expense can be intimidating. At Bemis, Roach & Reed, you will only have to pay legal fees from benefits compensation you receive. If we are unable to help you get benefits, then no fees will be charged. Call us toll-free at (866) 433-4979 to schedule a free initial consultation. For more information about Long Term Disability, you can go to our website www.brrlaw.com.