Long-Term Disability Claims Attorneys for Personality Disorders
If your personality disorder prevents you from performing your job duties, you might be entitled to long-term disability (LTD) benefits through an employer-paid or individual plan. Abell and Capitan Law has experience recovering the maximum benefits disabled workers need to afford their medical treatment, daily living expenses, and associated costs. You can depend on our long-term disability attorneys to provide high-quality legal representation and fight strategically for the LTD payments you deserve.
Personality disorders are mental disorders that cause an unhealthy pattern of functioning, behaving, and thinking. Symptoms can cause significant problems that limit a person’s capacity to have successful relationships, work, attend school, and participate in various activities. There’s a range of personality disorders that can impact daily life and require specific medical treatment.
At Abell and Capitan Law, our personality disorders long-term disability claims attorneys care about our clients. When you hire us, we will be your best advocate and work diligently to protect your financial security. Call us for a free consultation at (267) 419-7888.
Qualifying Personality Disorders for Long-Term Disability
An individual’s personality includes how they think, behave, and feel. It’s what makes them different from others. It can be influenced by their environment, experiences, and inherited characteristics. When a personality disorder develops, it can result in feelings, thinking, and behaving that deviate from certain expectations and leads to functional problems.
Below are the ten major types of personality disorders.
Narcissistic personality disorder – Grandiose sense of self-importance. Common symptoms include:
- Lack of empathy towards other people
- Delusions of grandeur
- Sense of entitlement
- Exploits others without feeling shame or guilt
Antisocial personality disorder – Patterning of violating or disregarding others’ rights. Common symptoms include:
- Lying or deceiving to exploit other people
- Arrogance or sense of superiority
- Dangerous behavior or taking unnecessary risks
Dependent personality disorder – Need to be taken care of by others. Common symptoms include:
- Trouble making decisions without another person’s input
- Inability to argue or disagree with people
- Avoiding responsibility, such as tasks requiring independent functioning
- Lack of self-confidence
Paranoid personality disorder – Suspicious of other people and assuming they are out to harm or deceive. Common symptoms include:
- Abnormal doubt about someone’s loyalty or trustworthiness
- Perceived attacks on one’s own character by another person
- Hostile and argumentative
- Can’t forgive anyone and holds grudges
Borderline personality disorder – Effects how a person feels about themselves and how they relate to others. Common symptoms include:
- A pattern of unstable and intense relationships
- Poor self-image
- Significant mood swings
- Feelings of emptiness
Schizotypal personality disorder – Odd or eccentric beliefs, behavior, or speech. Common symptoms include:
- Lack of close relationships
- Paranoid thoughts
- Limited or inappropriate emotional responses
- Believe they possess special powers
Schizoid personality disorder – Detached from social relationships and lacking in emotions. Common symptoms include:
- Feeling detached from other people
- Indifference towards affirmation or praise
- Inability to enjoy social or family relationships
- Withdrawn and aloof
Avoidant personality disorder – Extreme fear of rejection leading to social inhibition. Common symptoms include:
- Fear of doing something wrong in social situations
- Exhibit excessive restraint in intimate relationships
- Unwilling to try new things for fear of embarrassment
- Feeling socially inept, unappealing, or inferior to others
Histrionic personality disorder – Patterns of attention-seeking and excessive emotions. Common symptoms include:
- A rapid shift in emotions
- Feeling uncomfortable unless the center of attention
- Exaggerated expressions and emotions
- Self-centered and lack of concern for others
Obsessive-compulsive personality disorder – Preoccupation with perfection, control, and orderliness. Common symptoms include:
- Perfectionism impairs one’s ability to complete tasks
- Fixation with lists
- Formal, stiff, or rigid mannerisms
- The overwhelming need for order
How to Apply for Long-Term Disability Benefits
When your doctor diagnoses you with a personality disorder, or you cannot perform your job duties any longer as a result of your personality disorder, you should notify your employer immediately. They will provide an application from their insurance company that you must complete.
You should include evidence of your disabling condition, such as medical records, to submit to the insurance company. You will also need a physician statement from your doctor that explicitly mentions your personality disorder and the symptoms that impair your job abilities.
Once you begin the claims process, the insurance company will have up to 45 days to make a decision, with the option of adding two 30-day extensions if they need more time. During their investigation, they might ask for additional documentation. You should always respond promptly to avoid a delay in the process.
Once they approve your claim, you will have to go through an elimination period. This is a waiting period between the date your disability began and the first date you receive LTD benefits. Your elimination period will depend on your insurance plan. Some insurance companies require 30 days, while others require as long as a year. A standard elimination period is 90 days.
The benefit payments you receive can range from 50% to 80% of your pre-disability average monthly wages. The insurance company will provide monthly coverage for the duration listed on the policy.
Abell and Capitan Law will review your insurance policy to determine how long you can receive LTD coverage. Unfortunately, many insurance companies include mental health limitations that prevent the collection of benefits or place a cap on how long someone can receive payments. Most allow only one to two years before monthly payments stop.
Schedule a Free Consultation With Abell and Capitan Law
Our personality disorders long-term disability claims attorneys represent individuals requiring assistance with their initial claims or appealing denied claims. We can also file a lawsuit against the insurance company if they refuse to pay the benefits you deserve. We understand how overwhelming this experience can be. When you have to stop working, it causes emotional and financial strain. Without a source of income, you worry about how you’re going to support yourself and your family.
At Abell and Capitan Law, we have the resources to pursue the LTD benefits our clients need to pay for their daily expenses and medical treatment. You can depend on us to work diligently towards a favorable outcome.
If you want to schedule your free consultation, call (267) 419-7888, and one of our personality disorders long-term disability claims attorneys will help you on your path to recovery.