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I was rejected for disability insurance because of a past mental illness. Here's how I eventually got covered.

I was rejected for disability insurance because of a past mental illness. Here's how I eventually got covered.
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As a freelancer, I don't have access to company employee benefits — including a group disability insurance policy.




I applied for a group disability insurance policy through a professional organization but got a rejection because of my past history of depression.




The disability insurance company reversed its decision after receiving letters from my psychiatrist and therapist confirming I'm healthy.




It can be difficult to qualify for disability insurance with an existing mental illness, so you need to know how to shop for a policy.




Disability insurance covers lost income if you're unable to work. Get covered today with help from Policygenius »



I'll admit it: I never thought about disability insurance until a few years ago. My jobs never offered access to a plan, and I didn't consider shopping for a policy on my own.
But once I learned about the risks of disability, I realized this coverage is a must-have for anyone who can afford the monthly premiums.

The odds of experiencing a long-term disability may be higher than you expect. One in four people may be out of work for a year or more due to illness, injury, or pregnancy, according to the Council for Disability Awareness.

To make matters worse, 51 million working Americans don't have disability coverage other than Social Security Disability Insurance, which can be difficult to qualify for.
For the average American, being out of work for any length of time could be a financial catastrophe — especially with a family to support. Once I understood the severity of these statistics, I was ready to protect my own income.
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