Double Jeopardy

After Treatment for Mental Illness, Fight for Insurance Often Follows:

“The social stigma surrounding mental illness may have eased, but many insurers are still reluctant to issue individual policies to people with a psychiatric history — be it depression, anxiety or more serious conditions like bipolar disorder or schizophrenia.

A record of treatment for any of those conditions can make a person ineligible for long-term disability insurance and complicate efforts to obtain health insurance. Though life insurers rarely decline people with psychiatric problems, they may refuse to offer the low-cost “preferred” rates intended for healthy nonsmokers.” NY Times