I have a severe mental disorder and am unable to work or complete all of the forms the insurance company demands. What do I do?
A. You need to have someone advocate on your behalf. Choose a close family member or friend, or obtain the services of an attorney specializing in disability claims. Mental disorders are the type of claims that raise “red flags” to an underwriter because they can be faked. Other “red flag” disabilities are back conditions, fibromyalgia, immune disorders, arthritis conditions and similar conditions that aren’t easily diagnosed or observable.
