Question:
I read all the replies and thank every one for their input. Chuck – Hide quoted text — Show quoted text – Help: Can DSM code save me from being denied LTD? My Short Term Disability has just run out. The company that handles my Long Term Disability (same company that handles the STD) tells me that the LTD has a pre-existing condition clause. If I was treated for something between 6-17-03 and 6-18-04 then it is considered pre-existing and I do not qualify. I am being treated for: Major Depression/Recurring, Sever 296.30 Generalized Anxiety D/O 300.02 Post Traumatic Stress Disorder 309.81 Panic Disorder W/O Agoraphobic 300.01 In the last several weeks my pdoc has been treating me for Unipolar Depression. I have never had this diagnosis before, and she is augmenting my meds with lithium for it. The question is if there is a separate DSM for this or do they clump them all together, and do you think the LTD insurance people will view this as a "different animal" that falls outside pre-existing condition clause? Thanks in advance for your input. Chuck
Response:
– Hide quoted text — Show quoted text – Help: Can DSM code save me from being denied LTD? My Short Term Disability has just run out. The company that handles my Long Term Disability (same company that handles the STD) tells me that the LTD has a pre-existing condition clause. If I was treated for something between 6-17-03 and 6-18-04 then it is considered pre-existing and I do not qualify. I am being treated for: Major Depression/Recurring, Sever 296.30 Generalized Anxiety D/O 300.02 Post Traumatic Stress Disorder 309.81 Panic Disorder W/O Agoraphobic 300.01 In the last several weeks my pdoc has been treating me for Unipolar Depression. I have never had this diagnosis before, and she is augmenting my meds with lithium for it.
AFAIK, Unipolar Depression is the same thing as Major Depression. it seems weird they’d give you both dx’s. -kelly
Response:
- Hide quoted text — Show quoted text – Help: Can DSM code save me from being denied LTD? My Short Term Disability has just run out. The company that handles my Long Term Disability (same company that handles the STD) tells me that the LTD has a pre-existing condition clause. If I was treated for something between 6-17-03 and 6-18-04 then it is considered pre-existing and I do not qualify. I am being treated for: Major Depression/Recurring, Sever 296.30 Generalized Anxiety D/O 300.02 Post Traumatic Stress Disorder 309.81 Panic Disorder W/O Agoraphobic 300.01 In the last several weeks my pdoc has been treating me for Unipolar Depression. I have never had this diagnosis before, and she is augmenting my meds with lithium for it. AFAIK, Unipolar Depression is the same thing as Major Depression. it seems weird they’d give you both dx’s. -kelly
If your current disability is based on the psychiatric diagnoses you describe and you were treated for these problems during the pre-ex period then you will not qualify for LTD. On the other hand, if you are currently disabled by a physical condition (like a broken leg, for example) then the psychiatric treatment during the pre-ex will not be a problem for you. S. Shipko, M.D. http://www.algy.com/pdi
Response:
Help: Can DSM code save me from being denied LTD? My Short Term Disability has just run out. The company that handles my Long Term Disability (same company that handles the STD) tells me that the LTD has a pre-existing condition clause. If I was treated for something between 6-17-03 and 6-18-04 then it is considered pre-existing and I do not qualify. I am being treated for: Major Depression/Recurring, Sever 296.30 Generalized Anxiety D/O 300.02 Post Traumatic Stress Disorder 309.81 Panic Disorder W/O Agoraphobic 300.01 In the last several weeks my pdoc has been treating me for Unipolar Depression. I have never had this diagnosis before, and she is augmenting my meds with lithium for it. The question is if there is a separate DSM for this or do they clump them all together, and do you think the LTD insurance people will view this as a "different animal" that falls outside pre-existing condition clause? Thanks in advance for your input. Chuck
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