A Neuropsychological Evaluation is a test that measures your mental and cognitive deficits. The evaluation can objectively measure how your depression affects your cognitive ability. The evaluation will also provide an IQ test and additional screenings for further diagnoses. During the evaluation, your memory, problem-solving skills, processing speed, executive functioning, and more will be measured. It also has parameters in place to help ensure that the individual is putting in their maximum effort. These parameters help legitimize the validity of your test.
Neuropsychological Evaluation can often be one of the strongest pieces of evidence to support your claim because it objectively shows how your cognitive function affects your ability to perform at work.
Mental Illness Limitations on Your Long-Term Disability Policies
When filing for long-term disability insurance for mental illness, it is important to check if your policy includes a Mental Illness Limitation. While policies may vary, it is common for a Mental Illness Limitation to limit your benefits to 2 years. However, some policies may have an even smaller limit.
If you are disabled solely due to your mental health condition, and have no additional physical disability, your benefits may run out when you reach the Mental Illness Limitation. There are some exemptions to MILs, but they are generally reserved for specific conditions, such as bipolar disorder. However, if you can demonstrate objective proof of your cognitive limitations, such as with a neuropsychological evaluation, your benefits may extend past the limit.
Mental Illness Limitations and Physical Symptoms
The physically limiting symptoms of your condition can be an important aspect of your claim, especially if you need benefits beyond the second year. If you suffer from physical symptoms that limit your ability to perform at work as a result of your mental health condition, you may be able to extend or remove the Mental Health Limitations.
MILs and Additional Conditions
If your mental health condition is not your only debilitating diagnosis, you may be able to continue receiving benefits. Many people who are diagnosed with a chronic illness can suffer from depression or anxiety as a result, for example.
Discuss with your disability attorney your options regarding your policy.