Celebrating Mental Health Week: May 7-13, 2012

On May 5, 2012, in Canada, by Jason Hall

May 7 through 13 is reserved to observe and celebrate Mental Health Week, so what better way to celebrate it than dispel some of the myths and prejudices that surround mental health.

Unlike physical health claims, mental health claims are often more nuanced and difficult to verify. It is this nuancing that provides loopholes private insurers the wiggle room they need to elude quite valid claims from people who pay for private insurance, only to find their claim denied.

  • According to the Mental Health Week web site, one popular myth is that people with mental illness can only handle low-level jobs and not ones requiring higher levels of responsibility. The fact is, people in all walks of life experience mental health issues either from time to time or on an ongoing basis. People in high-responsibility jobs can find themselves suffering mental health issues for a variety of reasons.
  • The site goes on to dispel another common myth that people who suffer mental health challenges can never again live normal lives. The reality is that with help and support, people suffering from mental health do recover and continue to lead highly productive lives.

One of the key causes of mental distress is stress brought on by financial uncertainty. If you’re experiencing financial stress to the point where you need to claim stress leave from your job, think of how crazy making it would be to find your insurance claim denied?

To be fair, insurance companies need checks and balances to ensure they’re not taken advantage of by fraudulent claimants, but the other side is that private insurance companies are corporations that serve their stockholders first. The business of a corporation is to make money for its investors and, whenever an insurer pays out, it loses revenue.  Your private insurer will do whatever it takes to avoid settling a claim in your favour, not because it’s inherently evil, but because it’s designed to maximize profit.

If your claim is denied, your best bet is to seek out the advice and support of a lawyer who understands how private insurers operate, and who can fight for your rights. Don’t let an insurance company make you crazy—get the help you need.

 

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