Catch 22

"You mean there's a catch?"
"Sure there's a catch", Doc Daneeka replied.  "Catch-22.  Anyone who wants to get out of combat duty isn't really crazy."
There was only one catch and that was Catch-22, which specified that a concern for one's own safety in the face of dangers that were real and immediate was the process of a rational mind.  Orr was crazy and could be grounded.  All he had to do was ask; and as soon as he did, he would no longer be crazy and would have to fly more missions.  ("Catch-22 (logic), Wikipedia)

I love that.  Twisted logic.  It's fun until you are faced with it.

As I look at appealing the insurance carrier's denial of my disability benefits I was reminded of the "Catch-22" that is often at play.

If someone has a mental illness that results in a disability then they are entitled to disability benefits.  If denied, they have the right to appeal the decision.  However, if they are capable of appealing the decision they demonstrate that they are not disabled.  Catch-22.

Or to put it differently, appealing the decision of the insurance company to deny disability is an overwhelming task.  The more disabled, the more overwhelming the thought of formulating an appeal.  Hence, the least likely to be able to appeal the decision are the one's who most need it to be overturned.  Makes sense, doesn't it?