| Despite public awareness campaigns
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| | through. For example, mental health
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| highlighting the issues facing people
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| | problems can occur as an isolated case in
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| with mental health problems and the fact
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| | relation to a specific set of
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| that no one is immune to developing a
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| | circumstances and once treated, will
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| mental illness, people with mental health
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| | never happen again, some types of mental
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| problems are still facing unfair
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| | illness are episodic in nature, and most
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| discrimination, prejudice and stigma
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| | people who seek help for mental health
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| every day of their lives, not just from
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| | problems do go on to lead full and normal
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| members of the public but also from
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| | lives. Probably the most important point
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| businesses, banks, employers and even
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| | is that just because someone is suffering
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| when it comes to taking out an insurance
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| | from a mental health problem doesn't
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| policy.
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| | automatically mean they pose a greater
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| The truth is, any one of us can develop a
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| | risk than anyone else. Insurance
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| mental illness, regardless of our age,
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| | companies calculate their insurance
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| gender, location, occupation or social
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| | premiums on the level of perceived risk,
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| status. Actually, the statistics show
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| | which is supposedly based on medical
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| that at least one in four of us will
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| | evidence. Perhaps this is the area that
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| experience some kind of mental health
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| | needs to be addressed.
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| problem in the space of any one year.
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| | So what can you do about it? Certainly,
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| Mental health problems can be hugely
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| | if there is a case of unfair
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| diverse in nature and can range from mild
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| | discrimination then it is possible to sue
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| cases of depression and anxiety to more
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| | under the Disability Discrimination Act
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| serious cases of bipolar depression and
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| | but according to Mind, the leading UK
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| schizophrenia with the types of symptoms
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| | charity for mental health, only a small
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| and the degree of intensity of these
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| | number of cases are taken out under this
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| symptoms varying from person to person.
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| | Act and of these, few are ever
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| However, there are problems to face in
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| | successful. Similarly, the Citizen's
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| the outside world too.
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| | Advice Bureau (CAB) report that most
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| Possibly one of the most distressing
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| | claims against payment protection
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| aspects of mental illness is the
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| | insurance fail when mental illness is
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| isolation and social exclusion often
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| | involved as it is a common exclusion in
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| experienced by the sufferer purely as a
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| | many insurance policies.
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| result of ignorance and misunderstanding
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| | It isn't all doom and gloom though,
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| on the part of other people and it is
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| | people do seem to be waking up to the
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| this that needs to change. If we consider
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| | fact that something has gone wrong
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| insurance for example, something that
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| | somewhere and that people with mental
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| most people take for granted, but not if
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| | illness deserve to have the same rights
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| you have had a mental illness in the past
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| | as anyone else. Over in the USA for
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| or are suffering from a mental health
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| | example, a study by the Mental Health
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| problem at the moment.
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| | America Association found that the
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| The findings of a major report on
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| | majority of Americans believe that people
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| discrimination against the mentally ill
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| | with mental health problems should no
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| showed that Insurance companies will
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| | longer be subjected to discrimination by
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| often deny insurance or place exemptions
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| | health insurance companies. In fact, some
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| on an insurance policy when there is a
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| | 96% of Americans believe that health
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| history of mental health problems, even
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| | insurance should also cover mental
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| if those problems existed many years ago
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| | health. Here in the UK the government are
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| and are no longer an issue. This applies
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| | aware of the issues surrounding mental
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| to any type of insurance and not just
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| | health and exclusion and are tightening
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| life insurance either, travel insurance,
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| | up legislation to protect people from
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| mortgage insurance, employment insurance,
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| | unfair discrimination.
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| payment protection insurance, all become
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| | In the meantime, we would all do well to
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| more difficult to obtain if you have a
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| | remember that mental health problems are
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| mental health problem or a history of
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| | not only common, they are treatable, and
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| mental illness.
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| | can affect any one of us at any time.
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| This would appear to suggest that
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| | Until we insist that people with mental
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| insurance companies as well as many
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| | health problems receive the same rights
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| others still do not understand the issues
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| | in society as everyone else, the problem
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| or the facts surrounding mental illness
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| | with insurance will persist.
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| or the information just isn't getting
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