Which mental health conditions must be covered under disability insurance?

The correct response is based on the understanding that disability insurance under the Americans with Disabilities Act (ADA) and related regulations must take into account a range of mental health conditions that can substantially limit a person's ability to perform major life activities. Schizophrenia and bipolar disorder are both recognized as serious mental illnesses that can severely impact functioning. These conditions often qualify for coverage under disability insurance due to their potential to create significant barriers to employment and daily activities.

While severe depression and anxiety disorders can also be debilitating and may be covered under certain circumstances, the specific mention of schizophrenia and bipolar disorder highlights their profound and often chronic nature, which makes them more commonly recognized for coverage. The complexity and symptoms associated with these disorders often necessitate long-term treatment and can thus lead to greater loss of functional capacity, reinforcing their inclusion under disability insurance.

Disability insurance is intended to support individuals with a variety of mental health conditions, and certain conditions, like schizophrenia and bipolar disorder, are often more likely to meet the criteria for qualifying disabilities than the other options presented.