Mental Health: Understanding and Dealing With Disorders in 2024
Written by Daniel Ray, Life Insurance Expert | ✅ Fact Checked by 
Lisamarie Monaco | Editorial Disclosure It’s no secret that mental health is on the rise. A growing number of people suffer from a mental disorders, and it’s largely due to our busy lives.
We’re always rushing around trying to get everything done, but we’re also never satisfied with what we do accomplish because there is always something else we want to be doing. So how can you deal with your stress levels?
The best way is by taking time for yourself every day so you can de-stress and keep your mind healthy!
Table of contents
Final Expense and Mental Health Issues
This article will go more into the depths of mental health and understanding as far as treatment. When getting any kind of life insurance will depend on the severity of the mental disorder and the treatment.
We will always find the best possible option. Please enjoy the rest of this article and leave comments below.
Can You Get Life Insurance If You Have Mental Health Problems
We live in a world that’s become increasingly complex and stressful. It’s no wonder that awareness is spreading about mental health, mental illness, schizophrenia, anxiety disorders and depression in ways it never has before.
Royal Neighbors of America will offer you day one coverage. In fact, as long as you do not have other health conditions that would be considered a knockout. Be transparent with your agent so they can guide you throughout the process and give you accurate information.
Experts in the medical field will tell you that “millions of Americans live with various types of mental illness and mental health problems, such as social anxiety, obsessive-compulsive disorder, drug addiction, and personality disorders.”
Not all stress is bad, but both routine and long term stress take a toll on physical, mental and emotional health. Biochemical changes take place, stress hormones are released, and repeated stress can lead to anxiety and depression. Chronic stress affects the way the brain functions.
Public focus on the prevalence and causes of mental stress and more forthright discussion about preventing or lessening the effect of many of today’s stressors will benefit everyone.
Burial Insurance and Mental Health
Step by step guide to achieve your goals!
- Start with Research: Kick things off by diving deep into the world of burial insurance. Understand the different offerings and how having a mental health disorder might impact your application. Knowledge is power, after all!
- Consult with an Agent: Next up, have a heart-to-heart with a trusted insurance agent. They can shed light on which providers are more lenient or understanding when it comes to mental health conditions.
- Gather Your Medical Records: Before applying, gather your medical records. This isn’t just about ticking boxes; it’s about painting a complete picture of your mental health journey, from diagnosis to treatment.
- Choose the Right Policy: With your agent’s insights and your research, zero in on a policy that aligns with your needs. Remember, the cheapest might not always be the best fit, especially if it doesn’t cater to those with mental health conditions.
- Be Honest in Your Application: When filling out your application, honesty is the best policy. Detail your mental health condition, treatment history, and any other pertinent information. The clearer the picture, the smoother the process.
- Stay Patient During Underwriting: After submitting, there might be a waiting period during the underwriting process. Grab a cup of tea, relax, and understand that this is a standard procedure. Patience is key!
- Review the Final Offer: Once you receive your offer, give it a thorough read. Make sure you’re comfortable with the terms and that there aren’t any hidden clauses that might affect you due to your mental health disorder.
- Seal the Deal: If everything looks good, go ahead and finalize your policy. Celebrate this step towards ensuring peace of mind for you and your loved ones!
What Is Mental Health?
Let’s unravel the layers of mental health and illness together. Drawing from the wisdom of the WHO (World Health Organization), mental health isn’t just a fancy term. It’s described as a radiant state of well-being where a person not only recognizes their own potential but also adeptly manages life’s typical stressors, works with purpose and zest, and significantly contributes to the tapestry of their community.
Mental health challenges are typically classified into three main categories – mental, behavioral, or emotional disorders. The impact of these can vary from mild to severe impairment of a person’s ability to function.
Nearly 1 in every 5 people will experience some type of mental health challenge in any given year. Some will have more than one type of mental disorder.
NIH (National Institutes of Health) sheds light on the broad reach of these disorders. They report that neuropsychiatric disorders are the leading cause of disability in the U.S. – even more than heart disease and other medical problems.
What are common disorders linked to mental health?
1. Anxiety
Nearly everyone experiences anxiety to some degree – anxious thoughts when facing a difficult test or an interview or before making a public speech.
But if your anxiety spirals to a level that that intrudes on day-to-day activities, you might have Generalized Anxiety Disorder. Sometimes it goes hand-in-hand with other disorders.
Here are the symptoms of GAD as described by verywellmind.com:
- Persistent worrying or obsession with small or large concerns that’s out of proportion to the impact of the event
- Inability to set aside or let go of a worry
- Inability to relax, restlessness, feeling keyed up or on edge
- Difficulty concentrating, or the feeling that your mind “goes blank”
- Worrying about excessively worrying
Physical symptoms may be present, like fatigue, irritability, tense or aching muscles, being easily startled, trouble sleeping, sweating, headaches, and others.
2. Panic disorder
(panic attacks) are a particular category of anxiety. WebMD.com says these are “intense periods of fear or feelings of doom developing over a very short time frame — up to 10 minutes — and are associated with at least four of the following:”
Some Common Panic Disorders
| Sudden overwhelming fear |
| Palpitations |
| Sweating |
| Trembling |
| Shortness of breath |
| Sense of choking |
| Chest pain |
| Nausea |
| Dizziness |
| A feeling of being detached from the world (de-realization) |
| Fear of dying |
| Numbness or tingling in the limbs or entire body |
| Chills or hot flushes |
3. Clinical Depression or Depressive Disorder
Navigating through depression isn’t as simple as shaking off a gloomy day. It reshapes your thoughts and actions, often shadowing the simple joys of life. And while remedies like therapy and medication can offer relief, it’s never just a case of “snapping out of it.” Genuine support is vital, be it a heart-to-heart with a buddy or guidance from a professional.
And let’s talk about students for a second. The pressures they face today? Immense. Many believe that, adult or not, in those trying times, having a dependable adult in the know can make all the difference.
4. Obsessive-Compulsive Disorder (OCD)
Those with both obsessions and compulsions. It’s characterized by unyielding and preoccupying thoughts (obsession), and a strong drive to perform repetitive or ritual-like acts, such as handwashing (compulsion).
5. Post Traumatic Stress Disorder (PTSD)
is also a form of anxiety, caused by events the person has lived through that were highly stressful or frightening. Nightmares and flashbacks can occur, along with guilt and a feeling of isolation.
Someone grappling with PTSD frequently revisits the traumatic event, not just through haunting nightmares and vivid flashbacks but also through waves of isolation, irritability, and guilt. Sleep disturbances and concentration hiccups? Those are par for the course. In essence, these symptoms don’t just linger; they often disrupt the ebb and flow of daily life.
6. Phobias
are an exaggerated sense of danger about a particular object, situation, place or animal. It’s more than just an everyday fear.
People with phobias can end up planning their whole life around avoiding whatever it is that causes them this fear.
What Are Mental Health Mood Disorders?
Mood disorders are somewhat distinct from the mental health disorders or the different kinds of mental disabilities mentioned above, but may also accompany or be an underlying cause of those disorders. The Mayo Clinic describes many of these below. For many people, mood disorders can be successfully treated with medications and talk therapy (called psychotherapy).
Some Examples Of Mood or Mental Disorders Include
| Major depressive disorder | Characterized by prolonged and persistent periods of extreme sadness, empty feelings, guilt or others. It’s a real illness. |
| Bipolar disorder | Also called manic depression or bipolar affective disorder, this depression includes alternating times of depression and mania. |
| Seasonal affective disorder (SAD) | A form of depression most often associated with fewer hours of daylight in the far northern and southern latitudes from late fall to early spring. |
| Cyclothymic disorder | A disorder that causes emotional ups and downs that are less extreme than bipolar disorder. |
| Premenstrual dysphoric disorder | Mood changes and irritability that occur during the premenstrual phase of a woman’s cycle and go away with the onset of menses. |
| Persistent depressive disorder (dysthymia) | A long-term (chronic) form of depression. |
| Disruptive mood dysregulation disorder | A disorder of chronic, severe and persistent irritability in children; often includes frequent temper outbursts inconsistent with the child’s developmental age. |
| Depression related to medical illness | A persistent depressed mood and significant loss of pleasure in most or all activities directly related to the physical effects of another medical condition. |
| Depression induced by substance use or medication | Depression symptoms that develop during or soon after substance use or withdrawal, or after exposure to a medication. |
Alcohol withdrawal stands out as a prime example. If you were to ask seasoned professionals, say at addictioncenter.com, they’d confirm:
Those on the road to recovery from alcohol might require inpatient or outpatient medical care during withdrawal. However, the true pillars of mental and emotional healing are counseling, support networks like AA (Alcoholics Anonymous), and the unwavering backing of friends and family.
What Is A Trigger Warning?
One interesting mental health quandary that’s arisen of late is whether students on college campuses should be given “trigger warnings.”
What are some natural (non-medication) ways to help support mental health?
Mindfulness meditation helps ease anxiety and mental stress. Findings published in the Journal of the American Medical Association explain that mindful meditation can help ease psychological stresses like anxiety, depression, and pain. Mindfulness training programs and apps are now common.
One doctor says this practice works because “People with anxiety have a problem dealing with distracting thoughts that have too much power.” Mindfulness teaches people to recognize their unhelpful thoughts and discard them.
Mental health and exercise are directly linked.
You know, when we talk about exercise, we often rave about its wonders for our physique and weight. Yet, what’s strikingly evident now is that exercise isn’t just a physical game-changer. It’s also a powerhouse for uplifting our mood and sharpening our mental state. So, while you’re toning those muscles, you’re also giving a big boost to your emotional and mental vibes. Cool, right?
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FAQs
What are we really talking about when we say “mental health disorder”?
Answer: Imagine this: think of a mental health disorder as a ripple or crease disrupting the smooth fabric of our emotions, thoughts, and behaviors. Instead of merely labeling it a “bad day”, envision it as a persistent tempest in the mind. This storm might vary from fleeting moments of gloom to the roaring turbulence seen in conditions like bipolar disorder.
Has our chat about mental health shifted gears in the past few years?
Answer: Oh, absolutely! In fact, it’s like we’ve flung open the windows to welcome in a breath of fresh air. No longer is mental health just a hushed whisper hidden away; instead, it’s boldly becoming an integral part of our daily health conversations. And that heavy cloak of stigma? Thankfully, it’s shedding its weight with each passing day.
Did 2024 introduce any cool new ways to handle mental health issues?
Answer: You bet! In fact, this year feels like we’ve given the old ways a hearty shake. First off, we’ve seen a surge in personalized treatments, coupled with some truly innovative therapy techniques. And then, thanks to the rise of teletherapy, seeking help now feels as breezy and familiar as a video chat catch-up with an old pal.
Conclusion
Mental health can be a maze sometimes, full of complexities and nuances. Navigating what it truly means and finding ways to address mental disorders can be challenging. That’s why, in this article, we’re diving deep into understanding mental health, especially when it comes to life insurance coverage for those diagnosed with a disorder.
Now, when seeking life insurance, the deciding factor often hinges on the severity of the mental disorder and the associated treatment.
But here’s the silver lining: if you’re on the hunt for top-notch protection plans tailored just for you, give us a shout! Trust me, you’ll be taken aback by our swift, warm service and unbeatable rates.
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