Getting Disability Insurance for Patients with Bipolar Disorder

Based on figures from the National Comorbidity Survey Replication, an estimated 2.8% of Americans have bipolar disorder. Prevalence is similar in both men and women, which means not only is it more common than most people think, it is also not limited to just a select group of people. 
​
Characterized by dramatic shifts in mood, energy, and activity, having this disorder can be taxing for most working people. It can deter productivity and even harm social relations with colleagues. The shifts in mood are more severe than most regular people experience and so can be considered a cause of impairment, some are even so severe that they can also become psychotic.

​What are the signs?
It is ordinary for someone to report oneself bipolar based on their own experience, or for family and friends to do so based on abnormalities in behavior. Looking for signs isn't that hard. Irritability, erratic behavior, inability to focus on tasks, and episodes of depression usually signify that one has bipolar disorder. 

How does it affect me?
An "upside" of the disorder is hypomania, which is an episode where a bipolar person is at their most exuberant. They are in a high-energy state and can experience euphoria, but this does not mean their productivity at work will not be limited. With constant ups-and-downs, a person who has bipolar disorder will find it hard to perform basic work actions, and with limited productivity, one will find it hard to maintain a source of livelihood.

How do I get help?
After self-diagnoses, psychiatric help can come into play to confirm or invalidate. It is only considered needed for an individual to be admitted to a facility if one is found to pose a severe risk to others. In these cases of permanent impairment and inability to function at work, one can opt to file for disability benefits. 

An individual can file for insurance if one meets the criteria presented by providers. Usually, they will take into account if you experience severe limitation from daily activities, or when you experience recurring episodes of manic behavior. It is also possible to qualify for benefits if you are incapable of meeting the demands of repetitive and routine activities. 

Conclusion
Keep in mind that when applying for disability benefits, not only should you satisfy criteria but you will also be granted or denied insurance based on medical records. At Quote Today Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. To learn more about how we can help you, please contact our agency at (855) 855-2522 or Click Here to request a free quote.