disability insurance for people with mental health conditions
Mental health conditions are one of the leading causes of disability claims. Most individual disability policies cover mental health disabilities, but pre-existing mental health conditions may result ...
disability insurance for people with mental health conditions
Mental health conditions are one of the leading causes of disability claims. Most individual disability policies cover mental health disabilities, but pre-existing mental health conditions may result in exclusion riders. The key is getting coverage before a mental health condition develops.
What You Need to Know
- Mental health disabilities are covered by most individual disability policies
- Pre-existing mental health conditions may result in an exclusion rider
- Depression and anxiety are among the most common causes of disability claims
- Own-occupation definition ensures you receive benefits for your specific occupation
- An independent agent can find the carrier with the most favorable mental health underwriting
The Patriot Plans Difference
Patriot Plans is 100% independent. We work for you — not the insurance companies. When you have a health condition, finding the right carrier is critical. Different carriers have very different underwriting guidelines for the same condition. An independent agent who knows the market can often find coverage that a direct-to-carrier application would miss. We've helped 400,000+ families find the right coverage — including thousands with pre-existing conditions.
Ready to Find the Right Coverage?
Patriot Plans is 100% independent. We compare plans from vetted carriers and find the one most likely to offer you the best rate for your specific situation.