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Managing Behavioral Health in Private Disability Insurance

Chapter

Abstract

Private disability insurance (DI) differs from health insurance, workers’ compensation (WC), social security disability insurance (SSDI), and other forms of medical care and income for individuals who have medical impairments. DI differs in goals, terminology, and claim determination process in ways that can be confusing for both claimants and their health providers. When the impairing condition is behavioral, additional complications arise. Unfortunately, the cost of that confusion can be poor outcomes for patients, whose appropriate benefits may be delayed by inadequate or misguided documentation or who may be enabled by their providers into a disability mind-set that contributes to worsening physical and mental health. The present chapter describes the private disability system as it is intended to work, clarifies terminology and generic disability determination processes, and offers guidance for the behavioral health clinician who wants to appropriately assist patients when they are impaired with respect to performing work-related duties.

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Copyright information

© Springer International Publishing AG, part of Springer Nature 2018

Authors and Affiliations

  1. 1.Dr. Les Kertay & Associates, LLCChattanoogaUSA

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