tag:blogger.com,1999:blog-36714410.post-32074099179160751962007-08-13T08:14:00.000-07:002008-06-17T10:58:02.849-07:00<p class="MsoNormal">Some disabilities are diagnosed based on limited or objective medical evidence, regardless of whether they are physical or psychiatric in nature.<span style="font-size:+0;"> </span>For example, with lupus, a physical autoimmune disease, diagnoses can be elusive and symptoms vary greatly.<span style="font-size:+0;"> </span>While there are established criteria for diagnosing lupus, many patients may have it while still not meeting the full criteria.<span style="font-size:+0;"> </span>Clinical depression, bipolar disorder, anxiety disorders, and post-traumatic stress disorder, which can all be complex and/or nebulous when it comes to diagnosis, are examples of psychiatric disorders.<br /><br />Because the diagnosis of some disabilities is based on limited or objective medical evidence, many insurance companies limit benefits for these types of claims to 24 months.<span style="font-size:+0;"> </span>This means that a policyholder diagnosed with depression would receive benefits for a maximum of two years.<span style="font-size:+0;"> </span></p><p class="MsoNormal">While it varies by state, many insurance companies already have a 24-month benefit limitation or are moving towards one. <span style="font-size:+0;"></span>Be sure to review a policy’s coverage of psychiatric disabilities before purchasing it or ask an expert.<span style="font-size:+0;"> </span>Contact <a href="http://www.doctordisability.com/">Doctor Disability </a>at 866-899-7318 to get personalized information regarding available options.</p>Chuck Krugh, CFPhttp://www.blogger.com/profile/08277423075000029563noreply@blogger.com