Inflammatory Response & Treatment-Resistant Mental Disorders

Research Paper Title

Inflammatory Response and Treatment-Resistant Mental Disorders: Should Immunotherapy Be Added to Pharmacotherapy?

Abstract

Treatment resistance continues to challenge and frustrate mental health clinicians and provoke psychiatric researchers to seek additional explanatory theories for psychopathology.

Because the inflammatory process activates symptoms of depression, anxiety, and psychosis, it is a reasonable route to follow for primary and/or indirect contribution to mental disorders.

The current article reviews the research literature regarding the role the inflammatory process and immune system play in mental disorders as well as novel treatments under investigation for resistant depression, anxiety, substance use, and psychotic disorders.

Reference

Limandri, B.J. (2020) Inflammatory Response and Treatment-Resistant Mental Disorders: Should Immunotherapy Be Added to Pharmacotherapy? Journal of Psychosocial Nursing and Mental Health Services. 58(1), pp.11-16. doi: 10.3928/02793695-20191218-03.

Causes of Mental Illness

Currently, mental illness is thought to be caused by a complex interaction of factors, including the following:

  • Hereditary;
  • Biologic (physical factors);
  • Psychologic; and/or
  • Environmental (including social and cultural factors).

Research has shown that for many mental health disorders, heredity plays a part. Often, a mental health disorder occurs in people whose genetic make-up makes them vulnerable to such disorders. This vulnerability, combined with life stresses, such as difficulties with family or at work, can lead to the development of a mental disorder.

Also, many experts think that impaired regulation of chemical messengers in the brain (neurotransmitters) may contribute to mental health disorders.

Brain imaging techniques, such as magnetic resonance imaging (MRI) and positron emission tomography (PET), often show changes in the brains of people with a mental health disorder.

Thus, many mental health disorders appear to have a biologic component, much like disorders that are considered neurologic (such as Alzheimer disease).

However, whether the changes seen on imaging tests are the cause or result of the mental health disorder is unclear.

Mental Health Conditions: Medication & Standing Trial

In this article (below), Laura Spinney weaves through the ethical grey area of forcing people with mental health conditions to take medication so they can stand trial.

It is an interesting that attempts to look at both sides of the argument.

Read the article:

Reference

Spinney, L. (2019) Comment: Trial by Medication. New Scientist. 28 September 2019, pp.24.

Use Your Smartphone to Spot Schizophrenia, Soon

Speaking into your smartphone for two minutes could reveal whether you have a mental health condition!

That is according to the developers of an app that analyses facial expressions and speech to diagnose schizophrenia.

The company behind the app, AICure, hopes it could be used to better support and monitor people with schizophrenia, and eventually those who have other mental health conditions.

The current version was developed to measure symptoms of schizophrenia like low mood and difficulty thinking, which are normally harder to measure than symptoms like hallucinations and delusions.

To do this, the app tracks facial movements, as well as the content, tone and pitch of a person’s speech. Some people with schizophrenia move more slowly, and show less emotion on their faces. The app can then send a score to the person’s doctor, rating these symptoms.

However, it is not designed to spot other symptoms associated with the condition, such as hallucinations.

AICure tested the app with 21 people who have schizophrenia and nine people who do not. The participants made weekly recordings over 12 weeks. Each person was also evaluated by a clinician at Mount Sinai Hospital in New York at the start and end of the study.

The results of this small trial suggest that the app’s ratings “are highly correlated” with those of a clinician, states AICure. However, AICure does not yet have enough data to prove its app works, because the sample size is very small. The results can be viewed more as a proof of concept than as a diagnostic tool, which is a little way off.

Reference

Hamzelou, J. (2019) Smartphone App Could Spot Signs of Schizophrenia. New Scientist. 28 September 2019, pp.7.

Exercise for Mental Health

1.0 Introduction

“Lifestyle modifications can assume especially great importance in individuals with serious mental illness. Many of these individuals are at a high risk of chronic diseases associated with sedentary behavior and medication side effects, including diabetes, hyperlipidemia, and cardiovascular disease. An essential component of lifestyle modification is exercise. The importance of exercise is not adequately understood or appreciated by patients and mental health professionals alike. Evidence has suggested that exercise may be an often-neglected intervention in mental health care.” (Sharma, Madaaan & Petty, 2006).

This article provides an overview of exercise for mental health.

It is now a well-known ‘secret’ that exercise (and, let us not forget, physical activity) has an important part to play in both our physical health and mental health.

I think we can safely state that you (the reader) almost certainly already know that an inactive lifestyle contributes to chronic miseries such as obesity, diabetes, heart disease, cancer, osteoporosis, and an earlier death. You may also be one of the third of people who have resolved to exercise more (well, maybe get Christmas out the way first!).

However, how often do people consider the contribution of physical exercise to their mental health? And, with an expected rise in the number of people with mental health issues, it is more important than ever to extol the benefits of exercise.

“It is estimated there will be nearly 8 million more adults in the UK by 2030. If prevalence rates for mental disorders stay the same (at around one in four), that is some 2 million more adults with mental health problems than today. It is also estimated that there will be one million more children and young people in the UK by 2030. Again, if prevalence rates for mental disorders stay the same (at around one in ten), that is some 100,000 more children and young people with mental health problems than today.” (Mental Health Foundation, 2013, p.2).

Exercising releases natural chemicals, such as serotonin, dopamine and endorphins into the body, which help to boost mood. High levels of serotonin are linked to elevated mood while low levels are associated with depression. Exercise can also help reduce the amount of harmful chemicals in the body that are produced when an individual is stressed.

2.0 Benefits of Exercise

In simple terms, exercise provides a variety of short- and long-term, and obvious and less obvious, benefits.

  • Exercising benefits nearly all aspects of a person’s health (CDC, 2019) – In addition to aiding control weight, it can improve the chances of living longer, maintaining/improving the strength of bones and muscles, and an individual’s mental health.
  • When an individual does not get enough exercise, they are at increased risk for health problems – these include cardiovascular disease, high blood pressure (hypertension), type 2 diabetes, some cancers, and metabolic syndrome (CDC, 2019).
  • Exercise also increases a variety of substances that play an important role in brain function (Section 4.0).
  • Exercise can help prevent (certain) mental illnesses and is an important part of treatment.

Exercise is well-known to stimulate the body to produce our natural feel-good hormones which can make problems seem more manageable.

The simple act of focusing on exercise can give an individual a break from current concerns and damaging self-talk. Further, depending on the activity, individuals may benefit from calming exercises, be energised, and get outside or interact with others, all of which are known to improve mood and general health.

With this in mind, the health benefits from regular exercise that should be emphasised and reinforced by every professional (e.g. mental health, medical, nursing, physiotherapist, fitness/exercise) to individuals include:

  • Improved sleep;
  • Increased interest in sex;
  • Better endurance;
  • Stress relief;
  • Improvement in mood;
  • Increased energy and stamina;
  • Reduced tiredness that can increase mental alertness;
  • Weight reduction;
  • Reduced cholesterol; and
  • Improved cardiovascular fitness.

2.1 What is the Importance of Exercise for those with Mental Health Problems?

Having a mental health problem can put an individual at a higher risk of developing a serious physical health problem. For example, individuals with mental health problems are:

  • Twice as likely to die from heart disease (Harris & Barraclough, 1998).
  • Four times as likely to die from respiratory disease (Phelan et al., 2001).
  • On average, likely to die between 10 and 17 years earlier than the general population, if they have schizophrenia or bipolar disorder.
    • This may be due to a number of factors including poor diet, exercise and social conditions. People may also be slower to seek help, and doctors can sometimes fail to spot physical health problems in people with severe mental health problems.

3.0 Linking Physical Health and Mental Health

It is still very common for physical health and mental health, aka mind and body, to be treated separately (both medically and in general), although attitudes are slowly changing.

There is an increasing pool of evidence that suggests that exercise is not only necessary for the maintenance of good mental health, but it can be used to treat even chronic mental illness.

For example, it is now clear that exercise reduces the likelihood of depression and also maintains mental health as people age. On the treatment side, exercise appears to be as good as existing pharmacological interventions across a range of conditions, such as mild to moderate depression, dementia, and anxiety, and even reduces cognitive issues in schizophrenia.

The question you might now be asking is, how?

3.1 Exercise directly affects the Brain

Aerobic exercises (such as jogging, swimming, cycling, walking, gardening, and dancing) have been proved to reduce anxiety and depression (Guzszkowska, 2004). These improvements in mood are proposed to be caused by exercise-induced increase in blood circulation to the brain and by an influence on the hypothalamic-pituitaryadrenal (HPA) axis and, thus, on the physiologic reactivity to stress (Guszkowska, 2004). It has been suggested that this physiologic influence is probably mediated by the communication of the HPA axis with several regions of the brain, including:

  • The limbic system, which controls motivation and mood;
  • The amygdala, which generates fear in response to stress; and
  • The hippocampus, which plays an important part in memory formation as well as in mood and motivation.

However, it is important to note that other hypotheses that have been proposed to explain the beneficial effects of physical activity on mental health which include (Peluso & Andrade, 2005):

  • Distraction;
  • Self-efficacy; and
  • Social interaction.

In 2017, Firth and colleagues suggested that regular exercise increases the volume of certain brain regions – in part through:

  1. Better blood supply that improves neuronal health by improving the delivery of oxygen and nutrients; and
  2. An increase in neurotrophic factors and neurohormones that support neuron signaling, growth, and connections.

They also stated that of critical importance for mental health is the hippocampus (an area of the brain involved in memory, emotion regulation, and learning). Studies in other animals show convincingly that exercise leads to the creation of new hippocampal neurons (neurogenesis), with preliminary evidence suggesting this is also true in humans.

“Aerobic exercise interventions may be useful for preventing age-related hippocampal deterioration and maintaining neuronal health.” (Firth et al., 2017, p.230).

There is an accumulating evidence base that various mental health conditions are associated with reduced neurogenesis in the hippocampus.

The evidence is particularly strong for depression and, interestingly, many anti-depressants – that were once thought to work through their effects on the serotonin system – are now known to increase neurogenesis (Anacker et al., 2011) in the hippocampus.

Serotonin or 5-hydroxytryptamine is a monoamine neurotransmitter. It has a popular image as a contributor to feelings of well-being and happiness, though its actual biological function is complex and multifaceted, modulating cognition, reward, learning, memory, and numerous physiological processes. It sends signals between nerve cells. Serotonin is found mostly in the digestive system, although it is also in blood platelets and throughout the central nervous system. Serotonin is made from the essential amino acid tryptophan.

3.2 What does this Mean in Theory?

Theories suggest that newborn hippocampal neurons are likely to be particularly important for storing new memories and keeping old and new memories separate and distinct – Meaning neurogenesis allows a healthy level of flexibility in the use of existing memories, and in the flexible processing of new information.

Frequently, mental ill health is characterised by a cognitive inflexibility that:

  • Keeps the individual repeating unhelpful behaviours;
  • Restricts their ability to process or even acknowledge new information; and
  • Reduces their ability to use what they already know to see new solutions or to change.

Consequently, this suggests that it is plausible that exercise leads to better mental health, in general, through its effects on systems that increase the capacity for mental flexibility.

4.0 Substances that Play an Important Role in Brain Function

  • BDNF (brain derived neurotrophic factor) is a protein that creates and protects neurons (nerve cells) in the brain helps these cells to transmit messages more efficiently, and regulates depression-like behaviours (Vithlani et al., 2013; Sleiman et al., 2016).
  • Endorphins are a type of chemical messenger (neurotransmitter) that is released when we experience stress or pain to reduce their negative effects and increase pleasure throughout the body (Bortz, Angwin & Mefford, 1981).
    • Endorphins are also responsible for the euphoric feeling known as a “runner’s high” that happens after long periods of intense exercise.
  • Serotonin is another neurotransmitter that increases during exercise. It plays a role in sending messages about appetite, sleep, and mood (Young, 2007).
    • It is the target of medications known as SSRIs or SNRIs, which are used to treat anxiety and depression.
  • Dopamine is involved in controlling movement and the body’s reward response system. Due to its role in how the body perceives rewards, it is heavily involved with addictions.
    • When amounts of this chemical messenger are low, it is linked to mental health conditions including depression, schizophrenia, and psychosis (Grace, 2016).
  • Glutamate and GABA (gamma-amino butyric acid) both act to regulate the activity of nerve cells in the parts of the brain that process visual information, determine heart rate, and affect emotions and the ability to think clearly (Maddock et al., 2016).
    • Low levels of GABA have been linked to depression, anxiety, PTSD, and mood disorders (Streeter et al., 2012).

5.0 Exercise as Treatment in Mental Health

  • Just one hour of exercise a week is related to lower levels of mood, anxiety, and substance use disorders (de Graaf & Monshouwer, 2011).
  • Among people in the US, those who make regular physical activity a part of their routines are less likely to have depression, panic disorder, and phobias (extreme fears) (Goodwin, 2003).
  • One study found that for people with anxiety, exercise had similar effects to cognitive behavioural therapy in reducing symptoms (Wipfli, Rethorst & Landers, 2008).
  • For people with schizophrenia, yoga is the most effective form of exercise for reducing positive and negative symptoms associated with the disorder (Vancampfort et al., 2012).
  • While structured group programmes can be effective for individuals with serious mental illness, lifestyle changes that focus on the accumulation and increase of moderate-intensity activity throughout the day may be the most appropriate for most patients (Richardson et al., 2005).
  • Interestingly, adherence to physical activity interventions in psychiatric patients appears to be comparable to that in the general population (Sharma et al., 2006).
  • Exercise is especially important in patients with schizophrenia since these patients are already vulnerable to obesity and also because of the additional risk of weight gain associated with antipsychotic treatment, especially with the atypical antipsychotics.
  • GP surgeries, across the UK, are starting to routinely prescribe exercise as a treatment for a variety of conditions, including depression.
  • The National Institute for Health and Care Excellence (NICE) recommends that if an individual has mild to moderate depression, taking part in three exercises sessions a week can help.

6.0 Examples of How Exercise can Support Mood, Well-being, and Mental Health

  • General:
    • Exercise improves mental health by reducing anxiety, depression, and negative mood and by improving self-esteem and cognitive function (Callaghan, 2004).
    • Exercise has also been found to alleviate symptoms such as low self-esteem and social withdrawal (Peluso & Andrade, 2005).
  • Depression:
    • According to findings from the Royal College of Psychiatrists (2019), if an individual keeps active they are less likely to experience symptoms of depression.
    • The reason for this is because exercise has a certain effect on chemicals in our brains, such as dopamine and serotonin, which affect both your mood and thinking.
    • Just by adding a bit more physical activity into their daily life, an individual can create new activity patterns in the brain which can boost their mood.
    • However, the individual should take it at their own pace, and not attempt difficult new exercises straight away.
  • Anxiety:
    • Frequent exercise can help people with anxiety to be less likely to panic when they experience ‘fight-or-flight’ sensations.
    • This is because the human body produces many of the same physical reactions, including heavy perspiration (sweating) and increased heart rate, in response to exercise.
    • A study by the American Psychological Association in 2011 demonstrated that over a two-week exercise programme, a test group of 60 people who took part in exercises showed significant improvements in anxiety sensitivity compared to a control group (Weir, 2011).
  • Stress:
    • Stress does not just affect an individual’s brain, with its many nerve connections, it also has an impact on the way they feel physically.
    • This can manifest as muscle tension, especially in the face, neck and shoulders.
    • However, research by the Anxiety and Depression Association of America (2018) shows that physical activity is helpful when stress has depleted an individual’s energy – because exercise produces endorphins that act as a natural painkiller.
    • And, these endorphins help relieve tension in the body and relax muscles, which can alleviate stress.
  • Attention Deficit Hyperactivity Disorder (ADHD):
    • Although the exact cause of ADHD is unknown, research suggests that exercise can have a similar effect on the brain as medication for ADHD does.
    • This is because exercise releases chemicals in the brain such as norepinephrine, serotonin and dopamine, which help to improve focus and attention.
    • And, physical activity can help to improve mood, concentration and motivation – all of which help to reduce symptoms of ADHD.
  • Post-Traumatic Stress Disorder (PTSD) and Trauma:
    • Activities such as sailing, hiking, and mountain biking, and rock climbing have particularly been shown to alleviate the effects of PTSD and trauma.
    • By focusing on their body and how it feels when exercising, an individual can help their nervous system become ‘unstuck’, so that it moves out of the immobilisation stress response that can create PTSD or trauma.
  • Memory:
    • As well as improving our concentration, physical activity can also help age-related memory problems.
    • A study in 2012 (Sifferlin, 2012) found that people in their 70s who participated in more physical exercise, such as walking several times a week, experienced fewer signs of ageing in the brain than those who were less physically active.

7.0 How much Exercise should an Individual Be Doing?

In the UK, the NHS (2019) suggests that adults (19 to 64) should:

  • Do some form of physical activity every day – with any activity being better than none.
  • Do strengthening activities that work all the major muscles (legs, hips, back, abdomen, chest, shoulders and arms) on at least 2 days a week.
  • Do at least 150 minutes of moderate intensity activity a week or 75 minutes of vigorous intensity activity a week.
    • Moderate activity includes: brisk walking, water aerobics, riding a bike, dancing, tennis, pushing a lawn mower, hiking, and roller blading.
    • Vigorous activity includes: Jogging or running, swimming fast, riding a bike fast or on hills, walking up the stairs, sports (e.g. football, rugby, netball, and hockey), skipping rope, aerobics, gymnastics, and martial arts.
  • Reduce time spent sitting or lying down, and break up long periods of not moving with some activity.

Do not be disheartened, as exercise does not have to be done for hours on end. For example, ten minutes of moderate or vigorous activity at a time, fifteen times a week will see the individual achieve the recommended amount.

Muscle strengthening activities should be incorporated into an individual’s exercise routine twice a week. This includes yoga, lifting weights, resistance band exercises, and things like press/push-ups, and sit-ups. An individual’s muscles should be tired by the time they are finished with their exercises, but the individual should make sure they are not trying to lift too much too soon, or they could injure themselves.

In 2013, Rethorst and Trivedi, psychiatrists, demonstrated that three or more sessions per week of aerobic exercise or resistance training, for 45 to 60 minutes per session, can help treat even chronic depression. In terms of intensity, for aerobic exercise, Rethorst and Trivedi (2013) recommend achieving a heart rate that is 50-85% of the individual’s maximum heart rate (HRmax).  For resistance training, they recommend a variety of upper and lower body exercises – three sets of eight repetitions at 80% of 1-repetition maximum (RM, that is, 80% of the maximum weight that the individual can lift one time). They suggest that effects tend to be noticed after about four weeks (which incidentally is how long neurogenesis takes, refer to Section 3.1), and training should be continued for 10-12 weeks for the greatest anti-depressant effect.

With contemporary trends for exercise ‘quick fixes’, this may seem like a lot of exercise, but no worthwhile mental health fix comes for free. Remember, even exercise levels below these recommended amounts are still beneficial and, of course, the side effects (e.g. weight loss, increased energy, better skin, improved physical health, etc.) are very acceptable.

8.0 Mental Health and the Fitness Industry

“Physical health is one thing, but mental health, despite being something which can dramatically impact and affect someone’s life, is an often overlooked component of a person’s wellbeing.” (Waterman, 2018).

Traditionally, determining whether an individual was ‘healthy’ or ‘unhealthy’ ultimately come down to how the individual looked, their fitness levels, their diet, and whether they suffered from any specific physical health conditions.

The fitness industry is geared towards physical health improvements, and health questionnaires (also known as Physical Activity Readiness – Questionnaires, PAR-Q, or Exercise Readiness Questionnaire, ERQ) are largely focussed on physical health conditions.

Catch all questions that are typically asked include:

  • Do you have any other medical conditions?
  • Do you have, or have you had any illnesses recently?
  • Do you know of any other reason why you should not do physical activity?
  • Is stress from daily living an issue in your life?
  • Are you on medication?
  • Do you take any medications, either prescription or non-prescription, on a regular basis?
    • What is the medication for?
    • How does this medication affect your ability to exercise or achieve your fitness goals?

Questionnaires can vary from basic information collection (1 page) to fairly data intensive (6-8 pages), but questions asked and information collected vary vastly between fitness providers.

“In fitness, we get so caught up talking about bodyfat levels, bodyweight, aerobic fitness abilities, and food choices, that we neglect to address hugely important factors which affect our mental health.” (Waterman, 2018).

9.0 Summary

An individual does not have to have a gym membership to make exercise a part of their life! Picking physical activities that are easy to incorporate into the things/activities they already do and having a strong social support system are important in incorporating exercise into an individual’s routine.

Exercise also may help to meet the need for cost-effective and accessible alternative therapies for depressive disorders – particularly for the substantial number of individuals who do not recover with currently available treatments.

It is important to note that even small improvements in exercise levels or diet create a positive upward spiral that increases the sensitivity of the dopamine receptors that signal reward, so that exercise will eventually become rewarding, even if that seems unimaginable at the outset!

10.0 Useful Publications

11.0 References

Anacker, C., Zunszain, P.A., Cattaneo, A., Carvalho, L.A., Garabedian, M.J., Thuret, S., Price, J. & Pariante, C.M. (2011) Antidepressants increase human hippocampal neurogenesis by activating the glucocorticoid receptor. Molecular Psychiatry. 16(7), pp.738-750. doi: 10.1038/mp.2011.26.

Anxiety and Depression Association of America. (2018) Exercise for Stress and Anxiety. Available from World Wide Web: https://adaa.org/living-with-anxiety/managing-anxiety/exercise-stress-and-anxiety. [Accessed: 27 November, 2019].

Bortz, W.M., Angwin, P., Mefford, I.N. (1981) Catecholamines, Dopamine, and Endorphin Levels during Extreme Exercise. New England Journal of Medicine. 305, pp.466-467.

Callaghan, P. (2004) Exercise: A Neglected Intervention in Mental Health Care? Journal of Psychiatric Mental Health Nursing. 11, pp.476-483.

CDC (Centres for Disease Control and Prevention). (2019) Physical Activity Basics. Available from World Wide Web: https://www.cdc.gov/physicalactivity/basics/index.htm?CDC_AA_refVal=https%3A%2F%2Fwww.cdc.gov%2Fphysicalactivity%2Fbasics%2Fpa-health%2Findex.htm. [Accessed: 26 November, 2019].

Firth, J., Stubbs, B., Vancampfort, D., Schuch, F., Lagopoulos, J., Rosenbaum, S. & Ward, P.B. (2017) Effect of aerobic exercise on hippocampal volume in humans: A systematic review and meta-analysis. NeuroImage. 166, pp.230-238.

Goodwin, R.D. (2003) Association between physical activity and mental disorders among adults in the United States. Preventative Medicine. 36(6), pp.698–703. https://doi.org/10.1016/S0091-7435(03)00042-2.

Grace, AA. (2016). Dysregulation of the dopamine system in the pathophysiology of schizophrenia and depression. Nature Reviews. Neuroscience. 17(8), 524-532. http://doi.org/10.1038/nrn.2016.57.

Guszkowska, M. (2004) Effects of Exercise on Anxiety, Depression and Mood [in Polish]. Psychiatria Polska. 38(4), pp.611-620.

Harris, E.C. & Barraclough, B. (1998) Excess Mortality of Mental Disorder. British Journal of Psychiatry. 173, pp.11-53.

Maddock, R.J., Casazza, G.A., Fernandez, D.H. & Maddock, M.I. (2016) Acute Modulation of Cortical Glutamate and GABA Content by Physical Activity. Journal of Neuroscience. 36(8), pp.2449. DOI:10.1523/JNEUROSCI.3455-15.2016.

Mental Health Foundation. (2013) Starting Today: The Future of Mental Health Services. Final Inquiry Report, September 2013. Available from World Wide Web: https://www.mentalhealth.org.uk/sites/default/files/starting-today.pdf. [Accessed: 27 November, 2019].

Peluso, M.A. & Andrade, L.H. (2005) Physical Activity and Mental Health: The Association between Exercise and Mood. Clinics. 60, pp.61-70.

Phelan, M., Stradins, L. & Morrison, S. (2001) Physical Health of People with Severe Mental Illness. BMJ. 322(7284), pp.443-444.

Rethorst, C.D. & Trivedi, M.H. (2013) Evidence-based recommendations for the prescription of exercise for major depressive disorder. Journal of Psychiatric Practice. 19(3), pp.204-212. https://doi.org/10.1097/01.pra.0000430504.16952.3e.

Richardson, C.R., Faulkner, G., McDevitt, J., Skrinar, G.S., Hutchinson, D.S. & Piette, J.D. (2005) Integrating Physical Activity into Mental Health Services for Persons with Serious Mental Illness. Psychiatric Services. 56(3), pp.324-331.

Royal College of Psychiatrists. (2019) Support, Care and Treatment. Available from World Wide Web: https://www.rcpsych.ac.uk/mental-health/treatments-and-wellbeing. [Accessed: 27 November, 2019].

Sifferlin, A. (2012) Exercise Trumps Brain Games in Keeping our Minds Intact. Available from World Wide Web: http://healthland.time.com/2012/10/23/exercise-trumps-brain-games-in-keeping-our-minds-intact/. [Accessed: 27 November, 2019].

Sleiman, S.F., Henry, J., Al-Haddad, R., El Hayek, L., Haider, E.A., Stringer, T., Ulja, D., Karuppagounder, S.S., Holson, E.B., Ratan, R.R., Ninan, I. & Chao, M.V. (2016) Exercise promotes the expression of brain derived neurotrophic factor (BDNF) through the action of the ketone body β-hydroxybutyrate. eLife. 2016;5:e15092 doi:10.7554/eLife.15092.

Streeter, C.C. Gerbarg, P.L., Saper, R.B., Ciraulo, D.A. & Brown, R.P. (2012) Effects of yoga on the autonomic nervous system, gamma-aminobutyric-acid, and allostasis in epilepsy, depression, and post-traumatic stress disorder. Medical Hypotheses. 78(5), pp.571-579. doi: 10.1016/j.mehy.2012.01.021. Epub 2012 Feb 24.

ten Have, M., de Graaf, R. & Monshouwer, K. (2011) Physical exercise in adults and mental health status findings from the Netherlands mental health survey and incidence study (NEMESIS). Journal of Psychosomatic Research. 71(5):342–348. https://doi.org/10.1016/j.jpsychores.2011.04.001.

Vancampfort, D., Vansteelandt, K., Scheewe, T., Probst, M., Knapen, J., De Herdt, A. & De Hert, M. (2012) Yoga in schizophrenia: a systematic review of randomised controlled trials. (2012). Acta Psychiatrica Scandinavica. 126(1), pp.12–20. doi: 10.1111/j.1600-0447.2012.01865.x. Epub 2012 Apr 6.

Vithlani, M., Hines, R.M., Zhong, P., Terunuma, M., Hines, D.J., Revilla-Sanchez, R., Jurd, R., Haydon, P., Rios, M., Brandon, N. Yan, Z. & Moss, S.J. (2013) The Ability of BDNF to Modify Neurogenesis and Depressive-Like Behaviors Is Dependent upon Phosphorylation of Tyrosine Residues 365/367 in the GABAA-Receptor γ2 Subunit. The Journal of Neuroscience. 33(39), pp.15567-15577. DOI: https://doi.org/10.1523/JNEUROSCI.1845-13.2013.

Waterman, A. (2018) Mental health: The forgotten side of the fitness industry. Available from World Wide Web: https://www.belfasttelegraph.co.uk/life/health/mental-health-the-forgotten-side-of-the-fitness-industry-36982847.html. [Accessed: 27 November, 2019].

Weir, K. (2011) The exercise effect: Evidence is mounting for the benefits of exercise, yet psychologists don’t often use exercise as part of their treatment arsenal. Here’s more research on why they should. Available from World Wide Web: https://www.apa.org/monitor/2011/12/exercise. [Accessed: 27 November, 2019].

Wipfli, B.M., Rethorst, C.D. & Landers, D.M. (2008) The anxiolytic effects of exercise: a meta-analysis of randomized trials and dose-response analysis. Journal of Sport and Exercise Psychology. 30(4), pp.392-410.

Young, S.N. (2007) How to increase serotonin in the human brain without drugs. Journal of Psychiatry & Neuroscience. 32, pp.394-399.

When Does a Mental Health Condition Become a Disability?

1.0 Introduction

A mental health condition is considered a disability if it has a long-term effect on your normal day to-day activity, and this is defined under the Equality Act 2010.

The condition is ‘long term’ if it lasts, or is likely to last, 12 months.

‘Normal day-to-day activity’ is defined as something the individual does regularly in a normal day. This includes things like using a computer, working set times or interacting with people.

Currently, the law considers the effects of an impairment on the individual. For example, someone with a mild form of depression with minor effects may not be covered. However, someone with severe depression with significant effects on their daily life is likely to be considered as having a disability.

2.0 Where Does the Equality Act 2010 Apply?

The Equality Act 2010 applies in England, Wales, and Scotland.

It does not apply in Northern Ireland, where individuals are protected by the Disability Discrimination Act 1995.

3.0 Definition of Disability under the Equality Act 2010

An individual is classed as disabled under the Equality Act 2010 if they have a physical or mental impairment that has a ‘substantial’ and ‘long-term’ negative effect on their ability to do normal daily activities.

In order to be protected by the Act, a person must have an impairment that meets the Act’s definition of disability, or be able to establish that any less favourable treatment or harassment is because of another person’s disability or because of a perceived disability.

4.0 Factors to Consider in Determining Disability

Factors to consider include:

  • The individual must have an impairment that is either physical or mental;
  • The impairment must have adverse effects which are substantial;
  • The substantial adverse effects must be long-term; and
  • The long-term substantial adverse effects must be effects on normal day-to-day activities.

4.1 What Does Substantial and Long-term Mean?

  • ‘Substantial’ is more than minor or trivial, for example, it takes much longer than it usually would to complete a daily task like getting dressed.
  • ‘Long-term’ means 12 months or more, for example, a breathing condition that develops as a result of a lung infection.

4.2 What is an Impairment?

With regards to disability, an impairment refers to an individual’s ability to carry out normal day-to-day activities and, importantly, the effect that an impairment has on this ability.

A disability can arise from a wide range of impairments which can be:

  • Sensory impairments, such as those affecting sight or hearing.
  • Impairments with fluctuating or recurring effects such as rheumatoid arthritis, myalgic encephalitis (ME), chronic fatigue syndrome (CFS), fibromyalgia, depression and epilepsy.
  • Progressive, such as motor neurone disease, muscular dystrophy, and forms of dementia;
  • Auto-immune conditions such as systemic lupus erythematosis (SLE).
  • Organ specific, including respiratory conditions, such as asthma, and cardiovascular diseases, including thrombosis, stroke and heart disease.
  • Developmental, such as autistic spectrum disorders (ASD), dyslexia and dyspraxia;
  • Learning disabilities.
  • Mental health conditions:
    • With symptoms such as anxiety, low mood, panic attacks, phobias, or unshared perceptions;
    • Eating disorders;
    • Bipolar affective disorders;
    • Obsessive compulsive disorders (OCD);
    • Personality disorders;
    • Post-traumatic stress disorder (PTSD); and
    • Some self-harming behaviour.
  • Mental illnesses, such as depression and schizophrenia.
  • Produced by injury to the body, including to the brain.

What it is important to consider is the effect of an impairment, not its cause – provided that it is not an excluded condition. For example, addiction to, or dependency on, alcohol, nicotine, or any other substance (other than in consequence of the substance being medically prescribed) are specifically excluded from the Equality Act 2010 – although any accompanying impairments maybe protected.

5.0 What about Recurring or Fluctuating Conditions?

There are special rules about recurring or fluctuating conditions (ODI, 2011, p.29), for example “…mental health conditions such as schizophrenia, bipolar affective disorder, and certain types of depression, though this is not an exhaustive list.”

Some impairments with recurring or fluctuating effects may be less obvious in their impact on the individual concerned than is the case with other impairments where the effects are more constant.

6.0 What about Progressive Conditions?

A progressive condition is one that gets worse over time, and individuals with progressive conditions can be classed as disabled.

Examples of progressive conditions include various types of dementia.

Medical prognosis of the likely impact of the condition is the normal route to establishing protection under this provision. Although the effect need not be continuous and need not be substantial, the individual will still need to demonstrate that the impairment meets the long-term condition of the definition.

7.0 Employers & Disability

If an individual’s mental health condition means they are disabled they can get support at work from their employer. Two things to note:

  • The individual’s employer cannot discriminate against them because of their disability – they are protected by the Equality Act 2010; and
  • The employer must also keep the individual’s job open for them, and cannot put pressure on the individual to resign just because they have become disabled.

7.1 Reasonable Adjustments

The individual’s employer must make ‘reasonable adjustments’ for them so that they are not disadvantaged compared to non-disabled people, with examples including:

  • A phased return to work, for example working flexible hours or part-time;
  • Time off for medical treatment or counselling;
  • Giving another employee tasks the individual cannot easily do; and/or
  • Providing practical aids and technical equipment for the individual.

7.2 Time off from Work

If the individual is an employee and cannot work because of their disability, they may be able to get Statutory Sick Pay (SSP), although some employers have their own sick pay scheme.

If the individual still cannot work after 28 weeks, or they cannot get SSP, they can apply for Universal Credit (UC) or Employment and Support Allowance (ESA).

It is important to note that time off from work should not be recorded as an ‘absence from work’ if the individual is waiting for their employer to put reasonable adjustments in place.

7.3 Dismissals and Redundancy

The individual’s employer cannot dismiss them just because they have become disabled.

However, the individual can be dismissed if their disability means they cannot do their job even with reasonable adjustments.

An individual cannot be selected for redundancy just because they are disabled.

8.0 Disability Benefits

As well as having rights to protection from discrimination if the individual becomes disabled, they may also be entitled to certain benefits. The main disability and sickness benefits include:

  • Disability Living Allowance (DLA) or Personal Independence Payment (PIP);
  • Attendance Allowance; and/or
  • Employment and Support Allowance (ESA).

DLA is paid on top of income support, ESA, and other benefits. DLA does not reduce an individual’s other benefits and, in some cases getting DLA, can actually increase the amount the individual receives in other benefits. An individual can receive DLA if they are in or out of work.

What the individual is entitled to will depend on their circumstances. The individual might also be able to get:

  • Certain types of equipment or have adaptations made to their home without paying VAT;
  • Council Tax discounts;
  • A TV licence discount; and/or
  • Free vehicle tax.

9.0 Useful Links

10.0 References

ODI (Office for Disability Issues). (2011) Equality Act 2010: Guidance. Available from World Wide Web: https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/570382/Equality_Act_2010-disability_definition.pdf. [Accessed: 25 November, 2019].

The Role of the Workplace & Employers in Mental Health

1.0 Introduction

Workplaces have habitually been seen as key settings for a range of health promotion initiatives targeted at working people.

Programmes that assist, for example, employees to reduce or give up smoking, eat more healthily or improve their fitness are common. However, the published research shows that there are few evidence-based interventions carried out in or by workplaces to address common mental health problems among employees.

The research literature on programmes that address the mental health of employees has been dominated by interventions targeted either at the whole population of employees, for example stress inoculation, or at those deemed to be at high risk of stress-related disorders, for example stress reduction or management.

These approaches mirror physical health interventions aimed at individual behaviour change and do not offer a model for organisational approaches to these issues.

2.0 The Workplace and Employers

While evidence tells us that workplaces are not the sole or principal setting for delivering interventions for people with common mental health problems, employers nevertheless remain key partners.

They do, after all, have a contractual and personal relationship with their employees, as well as statutory health, safety and disability accommodation duties.

The focus of employers’ role in the management of common mental health problems among employees should be to ensure that the working environment supports retention and rehabilitation. Recent policy recommendations have highlighted this responsibility.

For example, the National Institute for Health and Clinical Excellence (NICE) reviewed some of the literature on mental health and work, as suggested by experts in the field. In the absence of randomised control trials (RCT’s) on the topic under review, Workplace Mental Health suggests that employers take a strategic and co-ordinated approach to workplace wellbeing; that employers provide opportunities for flexible working; and that line managers promote and support wellbeing among staff (NICE, 2009).

The NHS Health and Wellbeing Review (DH, 2009) acknowledged not only that some employees are likely to have existing common mental health problems, but also that the nature of the working environment can sometimes have a negative impact on staff mental wellbeing. Among the review’s recommendations were that all NHS bodies should ensure that their management practices adhered to the Health and Safety Executive’s management standards for the control of work-related stress; that more investment was needed to attract people to take up occupational medicine; that all managers are trained in the management of people with mental health problems; and that all NHS bodies give priority to the implementation of the NICE guidance on workplace mental health in order to signal their commitment to staff health and wellbeing (NICE, 2009).

A parallel piece of work complemented the NHS Health and Wellbeing Review and described findings from the Practitioner Health Programme. The intervention is targeted at doctors and dentists with health problems who might be reluctant to seek help through usual channels. In its first year, a total of 184 practitioners within the M25 area had accessed the service: 57% with mental health problems and 23% with addiction issues (Crawford et al., 2009; Ipsos MORI, 2009; Smauel et al., 2009; DH, 2010).

The UK Government’s Foresight scientific review on Mental Capital and Wellbeing (Foresight, 2008) included a chapter devoted to work (Dewe & Kompier, 2008), recommending that employers foster work environments conducive to good mental wellbeing and the enhancement of mental capital, for example, by extending the right to flexible working. The chapter also highlighted the importance of:

  • Integrating occupational health professionals with primary care;
  • The collection of wellbeing data against Key Performance Indicators; and
  • Annual wellbeing audits.

All of these recommendations mirror the findings of a longitudinal cohort study on workplace factors that may help to reduce depressive symptoms (Brenninkmeijer et al., 2008). Work resumption, partial and full, and the employer changing the employee’s tasks, promoted a more favourable outcome. However, these findings emerged from the Netherlands, where the employer and employee have a legal obligation to sit together and discuss solutions to obstacles preventing return to work, an important factor associated with the decrease in long-term disability in that country (Reijenga et al., 2006). Perhaps a policy shift will be necessary to allow workplaces in the UK to play a central role in the management of common mental health problems.

3.0 References

Brenninkmeijer, V., Houtman, I. & Blonk, R. (2008) Depressed and absent from work: predicting prolonged depressive symptomatology among employees. Occupational Medicine. 58, pp.295-301.

Crawford, J., Shafrir, A. et al. (2009) A Systematic Review of the Health of Health Practitioners. Edinburgh: Institute of Occupational Medicine. Available from World Wide Web: http://www.iom-world.org. [Accessed: 24 November, 2019].

Dewe, P. & Kompier, M. (2008) Foresight Mental Capital and Wellbeing Project. Wellbeing and Work: Future challenges. London: The Government Office for Science. Available from World Wide Web: http://www.foresight.gov.uk/Mental_Capital/Wellbeing_and_work.pdf. [Accessed: 24 November, 2019].

DH (Department of Health). (2009) NHS Health and Wellbeing Review. Interim Report. London: Department of Health. Available from World Wide Web: http://www.nhshealthandwellbeing.org/InterimReport.html. [Accessed: 24 November, 2019].

DH (Department of Health). (2010) Invisible Patients: Report of the working group on the health of health professionals. London: Department of Health. Available from World Wide Web: http://www.dh.gov.uk/en/Publicationsandstatistics/Publications/PublicationsPolicyAndGuidance/DH_113540. [Accessed: 24 November, 2019].

Foresight. (2008) Mental Capital and Wellbeing Project. Final Project Report. Available from World Wide Web: http://www.foresight.gov.uk/Mental_Capital/Mental_capital_&_wellbeing_Exec_Sum.pdf. [Accessed: 24 November, 2019].

Ipsos MORI (2009) Fitness to Practice: The health of healthcare professionals. London.

NICE (2009a) Workplace Mental Health. Available from World Wide Web: http://guidance.nice.org.uk/PHG/Wave12/82. [Accessed: 24 November, 2019].

Reijenga , F.A., Veerman, T. & van den Berg, N. (2006) Evaluation Law Gatekeeper Improvement. Report 363. Gravenhage: Ministerie van Sociale Zaken en Werkgelegenheid NL.

Samuel, B., Harvey, S.B., Laird, B. et al. (2009) The Mental Health of Health Care Professionals: A review for the Department of Health. London: King’s College London.

The Workplace & Common Mental Health Problems

1.0 Pre-2010

Common mental health problems are widespread and debilitating. Surveys carried out in Great Britain and internationally indicate that at any one time about one adult in six in the general population has a condition such as anxiety or depression. Incidence is higher among women and in people aged 45-54 years and there appears to be an upward trend in their rates over the last 15 years (Deverill & King, 2009). About three-quarters of adults with a common mental health problem are not in receipt of medication or counselling, including two thirds of those assessed as having a level of symptoms sufficient to warrant treatment (Deverill & King, 2009).

These levels of prevalence are mirrored among working age adults. At any one time nearly one worker in six will be experiencing depression, anxiety or problems related to stress. This increases to one in five when drug or alcohol dependence are included (Sainsbury Centre, 2007).

Although most of these mental health problems are unrelated to issues at work (HSE, 2007), there may be associations with workplace conditions such as long work hours, work overload, lack of control over work, lack of participation in decision making, poor social support and unclear management and work role, with some correlation with poor management style (Michie & Williams, 2003; Stansfeld, 2002; Berkels et al., 2004; Sanderson & Andrews, 2006). High demands and low support at work have been shown to be predictive of depressive symptoms worsening, independent of individual personality traits (Paterniti et al., 2002). Women are at risk of increased depression and anxiety if the management style at their workplace is not inclusive or considerate; and male employees are more at risk if they feel excluded from decision making (Kivimaki et al., 2003a; Ylippaavalniemi et al., 2005; Kivimaki et al., 2003b).

Against the backdrop of an economic recession and a labour market under pressure, people may increasingly be underemployed – that is involuntarily working part-time or for a wage at or below the poverty level because they have lost their former employment. Underemployment is an independent risk factor for worsening mental health and such suboptimal jobs may contribute to depression (Dooly et al., 2000; Friedland & Price, 2003).

The changing nature of work itself adds another layer of risk to mental health. For example atypical work, such as seasonal or casual work or fixed-term or subsidised jobs for people moving off benefits linked to unemployment support, is associated with significantly worse mental health (Sanderson & Andrews; 2006).

In summary, common mental health problems are the dominant health problem in the working age population (HWWB, 2009). Despite high rates of mental ill health, there are indications that almost half of employers think between none and one in twenty of their employees will ever experience a mental health problem during their working lives (Shaw Trust, 2006).

Low awareness among employers about the extent mental ill health, coupled with inadequate levels of treatment for those with these conditions and pervasive stigmatising public attitudes towards mental health problems (TNS Social, 2009), result in the perpetuation of a set of circumstances that are personally and financially costly to individuals, their families and their workplaces. An effective approach to the management of common mental health problems in the workplace could minimise or avert many of the related problems and costs associated with staff turnover, absenteeism and presenteeism (Sainsbury Centre, 2007; Sanderson & Andrews, 2006; Hilton, 2007).

2.0 Post-2010

Moving past 2010, the last decade has witnessed progress from employers regarding mental health. For example, many large employers now offer mental health-related services as part of their employee assistance programmes (EAP).

There are also many more opportunities outside of the workplace – such as charities and NHS services – that both employers and employees can turn to; many just need to be aware of them and be signposted.

Although there have been improvements, there is still much to be done.

3.0 References

Berkels, H., Henderson, J., Henke, N., Kuhn, K., Lavikainen, J., Lehtinen, V., Ozamiz, A., van den Heede, P. & Zenzinger, K. (2004) Mental Health Promotion and Prevention Strategies for Coping with Anxiety, Depression and Stress-Related Disorders in Europe. Final Report 2001-2003. Dortmund/Dresden/Berlin: WHO.

Deverill, C. & King, M. (2009) Common Mental Disorders. In: McManus, S., Meltzer, H., Brugha, T., Bebbington, P. & Jenkins, R. (eds) Adult Psychiatric Morbidity in England: Results of a household survey. The NHS Information Centre. (www.ic.nhs.uk/pubs/psychiatricmorbidity07).

Dooley, D., Prause, J. & Ham-Rowbottom, K.A. (2000) Underemployment and depression: longitudinal relationships. Journal of Health and Social Behaviour. 41, pp.421-436.

Friedland, D.S. & Price, R.H. (2003) Underemployment consequences for the health and wellbeing of workers. American Journal of Community Psychology. 32, pp.33-45.

Hilton, M. (2007) Getting upstream of psychological disability in the workforce – who are we not seeing and at what cost? Presentation available from: http://www.mrc.ac.uk/Utilities/Documentrecord/index.htm?d=MRC003869.

HSE (Health and Safety Executive). (2007) Self-Reported Work-Related Illness 2005/06. Available from World Wide Web: http://hse.gov.uk/statistics/tables/0506/swit1.htm. [Accessed: 20 November, 2019].

HWWB (Health, Work and Wellbeing). (2009) Working our Way to Better Mental Health: A framework for action. Available from World Wide Web: http://www.workingforhealth.gov.uk/Initiatives/Mental-health-and-employmentstrategy/Default.aspx. [Accessed: 20 November, 2019].

Kivimaki , M., Vahtera, E.J., Virtanen, M. & Stansfeld, S.A. (2003b) Association between organizational inequity and incidence of psychiatric disorders in female employees. Psychological Medicine. 33, pp.319-326.

Kivimaki, M., Elovainio, M., Vahtera, J. & Ferrie, J.E. (2003a) Organisational justice and health of employees: prospective cohort study. Occupational Environmental Medicine. 60, pp.27-34.

Michie, S. & Williams, S. (2003) Reducing workrelated psychological ill health and sickness
absence: a systematic literature review. Occupational and Environmental Medicine. 60, pp.3-9.

Paterniti, S., Niedhammer, I., Lang, T., & Consoli, S.M. (2002) Psychosocial factors at work, personality traits and depressive symptoms: Longitudinal results from the GAZEL study. British Journal of Psychiatry. 181(2), pp.111-117.

Sainsbury Centre. (2007) Mental Health at Work: Developing the Business Case. London: Sainsbury Centre for Mental Health.

Sanderson, K. & Andrews, G. (2006) Common mental disorders in the workforce: Recent findings from descriptive and social epidemiology. Canadian Journal of Psychiatry. 51(2), pp.63-75.

Shaw Trust (2006) The Last Workplace Taboo. Available from World Wide Web: http://www.tacklementalhealth.org.uk. [Accessed: 20 November, 2019].

Stansfeld, S. (2002) Work, personality and mental health. British Journal of Psychiatry. 181, pp.96-98.

TNS Social (2009) Attitudes to Mental Illness 2009. Research Report. JN189997. Available from World Wide Web: http://www.library.nhs.uk/mentalHealth/ViewResource.aspx?resID=319335. [Accessed: 20 November, 2019].

Ylippaavalniemi, J., Kivimaki, M., Elovainio, M., Virtanen, M., Keltikangas-Jarvinen, L. & Vahtera, J. (2005) Psychosocial work characteristics and incidence of newly diagnosed depression: a prospective cohort study of three different models. Social Science Medicine. 61, pp.111-112.

An Overview of Travel and Mental Health

1.0 Introduction

This article provides an overview of things one might wish to consider regarding travel and mental health.

Travel, in general, represents an opportunity for rest and relaxation or a chance for exciting exploration of other countries and cultures.

However travel can also be stressful, not just in the planning stages but also during the journey itself and adapting to a new environment on arrival.

Consideration of an individual’s mental wellbeing during travel is as important as their physical health.

2.0 Mental Health Issues to be Aware of When Travelling

Mental health is amongst the leading causes of ill health in travellers and a common reason for medical repatriation.

Mental ill health may occur in travellers with no pre-existing history as well as those with a current/previous history of mental illness.

It is important to note that attitudes to mental illness vary between countries and in many, severe stigma and discrimination exist. Further, access to mental health services and medication may be very limited at some destinations.

Individuals must be aware that some medications, are restricted or banned in some countries and, due to restrictions on medications in other countries, it may be difficult to replace lost or stolen medication whilst travelling.

3.0 What are the Contributory/Risk Factors?

A wide range of factors have been suggested to disrupt stable mental health during travel, including:

  • Separation from family and friends.
  • Time zone changes and jet lag/sleep deprivation.
  • Disruption of normal routines and travel delays.
  • Unfamiliar surroundings and presence of strangers.
  • Culture shock and sense of isolation.
  • Language barriers.
  • Use of drugs and alcohol.
  • Physical ill health during travel.
  • Forgetting to take medication regularly.
  • Type of travel:
    • Some forms have a higher risk.
    • For example, business, family events (wedding/funeral) and volunteer/aid work.

4.0 What Management Strategies Can I Use?

A current controlled or previous history of mental health problems, is not an absolute barrier to travel. When planning a trip be aware of the following points:

  • Pre-Travel;
  • During Transit; and
  • During the Trip.

4.1 Pre-Travel

  • General:
    • Recognise that travelling can be stressful.
    • Ensure journeys are well thought out and develop contingency plans for coping with delays.
    • If fear of flying is a major cause of anxiety, several airlines run courses to combat this.
    • Research the destination, country and language so you know what to expect.
    • Find out how to access medical facilities, including mental health services during travel.
    • Take out adequate travel insurance which specifically covers mental health issues.
  • Medication:
    • Ensure you have enough of your regular medication for the total duration of the trip.
      • An additional 1-2 weeks should be carried in case medication is lost or stolen.
    • Medication should be carried in hand luggage in original containers, appropriately labelled.
    • A medical doctor’s letter, or repeat prescription detailing all medication and dosages should be carried.
    • If the individual attends a psychiatrist or community psychiatric nurse, schedule a review with them before the trip.
    • Ask for a medical letter in the appropriate language detailing diagnosis and medications, in case of contact with medical/psychiatric services during travel.

4.2 During Transit

  • Be aware that time zone changes and jet lag can disrupt mental health.
  • Make sure to take medication at the correct time during travel.
  • Maintaining adequate hydration/calorie intake and avoiding drugs/alcohol during travel will reduce travel stress.

4.3 During the Trip

  • Maintain a regular routine where possible – this gives you control over your surroundings and helps you remember to take prescribed medicines at the right time.
  • Individuals should not stop their regular medication during travel, even if their mental health has improved – they can always discuss this with their doctor on return.
  • Ensure adequate rest, hydration and calorie intake, especially if a busy schedule is expected, for example, during a business trip or organised tour.
  • Pre-arrange contact – via telephone, skype, and/or email – with close friends and family at home, especially when travelling alone.
  • Avoid excess alcohol and illicit drugs.
  • If the individual feels their mental health is deteriorating, seek help/advice early, either from a travelling companions, family/friends, local mental health services or consulate.

5.0 Useful Links

An Overview of Insurance & Mental Health

1.0 Introduction

This article provides an overview of things that one might wish to consider regarding mental health and insurance.

Mental health conditions might not be as easy to pin down as physical health conditions, but insurers are increasingly recognising the need to provide cover and support to those suffering with a mental health condition.

One in four people in the United Kingdom (UK) will be affected by a mental health problem in any given year and, of these, around four million will also struggle with their financial wellbeing.

The insurance industry is aware of the importance and value of insurance in protecting individuals when life does not go to plan. And, with this in mind, the insurance industry continues to demonstrate increasing commitment to aiding those suffering from a mental health problem. In 2017, mental health was the most common cause of claim on income protection policies in the UK.

The insurance industry continues to engage with the third sector (aka charities) and healthcare industries to promote greater access to insurance for individuals with mental health conditions and has repeatedly emphasised its commitment to aiding people suffering from mental ill health.

There is no difference in any of the insurance decision making processes for mental health to those for physical health. The process by which decisions are made and guidelines are written is consistent for every medical condition whether physical or mental health (or, as is often the case, a combination of the two).

Whether an individual has a mental health condition or not, if they are considering buying insurance, or just looking for more information, this article outlines some of the things individuals should think about.

As with any other form of insurance, check the small print for what is and is not covered, such as exemptions and exclusions.

2.0 Should You Bother Buying Insurance to Cover Mental Health Care?

When it comes to protecting and supporting individuals who have been diagnosed with a mental health condition, insurers will not only pay claims, they may also provide additional support.

Support services (generally) come at no extra cost and start from the day the cover begins. It is always there to help the individual, which means they can feel confident that help is always at hand. This help can include:

  1. Preventative Measures;
  2. Accessing Support Services; and
  3. Rehabilitation Services.

2.1 Preventative Measures

Many insurers provide specialist mental health service support, which enables employees of company schemes or individual policy holders to receive rapid access to assessment, often within 48 hours.

Individuals will often have a dedicated case manager/case management team assigned to them to take them through the whole process.

This can include a tailored treatment plan and access to a wide range of specialists including:

  • Psychologists;
  • Counsellors; and
  • Psychiatrists.

2.2 Accessing Support Services

Most insurers have what are known as dedicated Employee Assistance Programmes (EAP) which provide access to support services 24 hours a day.

These can offer support on a range of topics which may trigger stress or anxiety, such as finances, relationships and legal issues, as well as dedicated mental health counsellors.

These services can be accessed through dedicated helplines as well as through interactive online services.

2.3 Rehabilitation Services

Rehabilitation services are at the heart of most protection insurance products, and consequently many insurers offer access to rehabilitation teams who help manage an employee’s or individual policy holder’s sickness absence.

They often offer access to counselling and a wide range of other services, including assistance with HR issues and legal assistance.

Many income protection policies have specific mental health pathways for individuals to get the tailored assistance they need it.

3.0 What Things Should I Consider before Buying?

There are a range of insurance products that provide cover for a wide range of situations.

Although many people find that buying insurance provides financial security and peace of mind, which can help them on the road to recovery when the unexpected happens, it is important to understand the different products on offer and what they cover.

3.1 Types of Insurance

Some of the different types of insurance that an individual might like to consider buying that can provide financial peace of mind include:

  • Private Medical Insurance:
    • This enables faster access to treatment by enabling a speedy diagnosis and reduced waiting times.
    • It also helps to pay for some, or all, of the treatment that an individual may need.
    • This can help the individual get back on their feet, and return to employment, quicker.
  • Income Protection Insurance (Section 8.0):
    • This will pay a tax-free monthly income while an individual is unable to work due to illness, injury and/or suffering a reduction in salary for a prolonged period.
    • This insurance covers mental health issues and provides key support services.
  • Travel Insurance:
    • This covers the cost of any medical treatment an individual may need in an emergency when travelling abroad.
    • Individuals can also obtain travel insurance which covers the cost of their holiday if they are unable to travel and need to cancel their holiday due to illness.
  • Life Insurance:
    • This is a type of policy that can be potentially affected by disclosure of mental health conditions.
    • Find out more about the importance of disclosure below.
  • Critical Illness Insurance (Section 9.0):
    • Also known as critical illness cover, is a long-term insurance policy which covers serious illnesses listed within a policy.
    • If an individual get one of these illnesses, a critical illness policy will pay out a tax-free, one-off payment.

3.2 Why is Disclosure Important?

For many insurance products, disclosing pre-existing mental health conditions is very important (A pre-existing medical condition is any condition an individual has at the time they apply for insurance).

Some insurance policies do not cover pre-existing conditions, meaning that they will not pay out on a claim related to a pre-existing condition (which can sometimes include mental health problems). For those who have been denied insurance cover due to a pre-existing mental health condition, look here for a list of specialist advisers on the Mind website (a mental health charity).

Insurers need to know about existing conditions as it allows them to understand the type of mental health condition, and the associated risk based on scientific evidence. As noted by research, mental health conditions can have a direct impact on a sufferer’s risk of premature death or disability and there are also links to greater risk of abuse of medication, drugs or alcohol, which increases the risk of a serious accident.

For most insurers, mental health will include all aspects such as:

  • Stress;
  • Post-natal depression;
  • Attention deficit hyperactivity disorder (ADHD);
  • Eating disorders;
  • Addictions;
  • Myalgic encephalomyelitis (ME), also known as chronic fatigue syndrome (CFS);
  • Fatigue;
  • Depression; and
  • Anxiety.

Individuals will, generally, be asked to provide their diagnosis, symptoms, and treatment.

Regardless of an individual’s age or health status, they will need to provide information on their mental health and whether they have been diagnosed with or treated for a mental health condition.

Some insurers want individuals to disclose all mental health episodes regardless of when they occurred.

It is important that individuals disclose complete and accurate information because it affects the:

  • Risk assessment;
  • Premiums charged; and
  • Terms and conditions of their insurance policy.

It is a legal requirement that individuals answer honestly, as failure to do so may result in the policy being void.

4.0 What Information Might I Need?

As noted above, insurance policies may or may not cover pre-existing medical conditions depending on the severity of the condition.

If an individual has been diagnosed, or has received treatment for a mental health condition, the insurer may want to know the following:

  • Date of diagnosis;
  • Method of treatment;
  • Past methods of treatment;
  • Doctor’s details;
  • Symptoms and dates of last symptoms;
  • Details of any previous hospitalisations;
  • Specifics of time taken off work because of the condition

Some underwriters may split a question about an individual’s medical history into two asking:

  1. “Have you ever had…” for the more serious incidents such as in-patient treatment or suicide attempts; and
  2. Just ask about the last five years for other mental health issues, meaning if episodes happened before then, they may not need to be disclosed at all.

5.0 What Challenges Might I Face?

There are a number of challenges an individual may need to consider, including:

  • Lack of Disclosure:
    • Advisers and insurers are used to dealing with medical conditions, both physical and mental, so there’s no need for an individual to feel embarrassed about their medical history.
    • As with all insurance applications, when an individual is applying for insurance it is vital they are open and honest.
    • A tiny percentage of insurance claims are declined each year, but the main reason is due to issues of non-disclosure at the application stage, for example individuals omitting to say they are taking medication.
  • High Risk Customer:
    • Individuals could be assessed as a ‘high risk’ customer which means that the insurance provider believes that they are more likely to claim.
    • As a result, they may be charged a higher premium, or have a specific exclusion added to their policy.
  • Over the Phone rather than Online:
    • Individuals may be declined insurance if they try to apply for insurance directly online and disclose that they have experienced a mental health condition or have an existing mental health condition.
    • It is therefore recommended that individuals speak to a specialist adviser who will be able to support their specific needs.
  • Symptoms Change:
    • If the individual’s policy does not cover a specific mental health condition because of a recent history of mental illness, yet they go on to be symptom-free for a few years, it is worth reviewing the policy.
    • Future cover could be accepted at standard terms, which could save the individual money.
    • The insurance company’s adviser will be able to advise when will be the best time to do this.

6.0 Where Can I Get Help? What Help is Available?

6.1 Who Can I Speak To?

There are a number of things that an individual can do to make sure they get the right cover for their needs. 

Some companies provide cover specifically for people with pre-existing medical conditions, including mental health conditions. In order for an individuals to gain support that is specific to their needs, they may want to look into getting an insurance quote from a specialist provider (which can be found in Section 3.2 above).

Mental health support is of growing importance for UK businesses. Employers increasingly provide support which may include giving employees access to counselling services such as:

  • EAP;
  • General practitioner (GP) services;
  • On-site medical support; and
  • Health tracking apps.

EAP services are confidential and can be accessed free without disclosure required to an individual’s line manager. Individuals may also be able to access occupational health support through their line manager or human resources service.

6.2 What Questions Should I Ask Before Buying a Policy?

There are a vast range of questions an individual can ask, including:

  • Does the plan cover mental health out-patient therapies or consultant sessions?
    • How many per year does the insurance cover?
    • This could include out-patient cognitive behavioural therapy (CBT) or a counselling plan.
  • At what rate will the sessions be covered?
    • Is there a cost limit per therapy session?
  • Is approval required from the individual’s GP to access consultant or out-patient therapies?
  • Does the individual need any pre-approval from the insurance company before they see a mental health professional?
  • Can the individual get a list of providers in their area?
  • Can the individual meet with more than one provider for a consultation or second opinion and still have it paid for?
  • Does the individual pay the provider or does the insurance company pay them?
  • Are psychiatric medications covered under the plan?
  • Does the policy cover substance abuse services?
    • Inpatient mental health services?
    • Psychiatry?
    • ADHD evaluations?
  • Does the policy also include self-help and guided online therapy?
  • How many days does the individual receive for in-patient/day-case mental health treatment per year?
  • Does the insurance policy come with a counselling support service or specialist support services? Examples include:
    • EAP for employer-based insurance products; or
    • Individual support from foundations such as RedArc – an organisation that includes a team of highly trained and experienced Personal Nurse Advisers who provide practice advice and emotional support.

7.0 What is a Deferred Period?

The deferred period is the period of time from when a person has become unable to work until the time that the benefit begins to be paid. For example, an individual selected a deferred period of six months because they knew they would receive sick pay from their company for that period and would not need the insurance benefits.

7.1 What is a Deferred Period on Income Protection Insurance?

The deferred period on income protection insurance is the period between going off work and the income payments commencing.

For example, income protection insurance with a 4 week deferred period will commence income payments once the policyholder has been off work for a period of 4 weeks.

7.2 What is the Length of a Deferred Period?

The length of the deferred period is selected when the individual commences the income protection insurance, and this can be between 4 weeks and 12 months.

Generally, the longer the chosen deferred period the lower the monthly premiums on commencement of the policy.

7.3 How Do I Choose a Deferred Period?

Choosing a deferred period will be based on individual circumstances, taking into account the following two factors:

  1. Cover Provided by the Employer:
    • If the individual’s employer pays them full sick pay for a period of time then it will make sense to set the deferred period from the date the sick pay ceases.
    • This is because there is no point in setting the deferred period for less than the full sick pay period as the insurance company will not pay out until the individual ceases receiving income from their employer.
    • If an individual requires cover for redundancy in their income protection policy, then they will need to take into consideration the amount of redundancy payment they will receive.
    • For example, if the individual is likely to receive a redundancy payment equal to six month’s salary, then it would make sense to set the deferred period at six months.
  2. Personal Savings:
    • If an individual has access to personal savings then it would make sense to factor this in.
    • For example, if – in the event of sickness, accident or redundancy – the individual has enough personal savings to replace their income for three months, then set a deferred period of three months.

8.0 Income Protection Insurance

There is often confusion between the various types of insurance available on the market, particularly between income protection insurance and critical illness insurance (Section 9.0).

8.1 What is Income Protection Insurance?

Income protection insurance is designed to provide an income if the individual is unable to work due to sickness, or as a result of an accident:

  • Benefits will be paid until:
    • The individual returns to work;
    • Retires; or
    • The end of the policy (whichever comes first).
  • Benefits will only commence once a pre-agreed deferred period has passed.
    • This would generally be between one and twelve months.
    • The longer the deferred period the lower the premium.
  • Income protection insurance is a long term policy with premiums paid monthly.
  • The amount of income covered is typically 60-65% of the individual’s monthly income.
    • Normally enough to cover the mortgage and basic living expenses.
  • Cover may continue until retirement or prior cancellation.
  • Any benefits received are tax free.
    • Unless cover is provided free by an employer, in which case they may be taxed.
  • Pre-existing conditions are (normally) not covered under income protection insurance.

8.2 Why Would I Need Income Protection Insurance?

An individual may want income protection insurance:

  • If they receive only statutory sick pay when off work;
  • If they only receive their full pay for a limited period of time when off work; and/or
  • To make sure their basic living expenses are covered whilst off work.

8.3 Rehabilitation Support Services

Rehabilitation support services are typically bundled as part of income protection insurance and, although provision varies between insurers, example services include:

  • Rehabilitation Support:
    • Early intervention rehabilitation support services help individuals from the moment they are unable to work due to illness or injury.
    • The insurer will provide assistance during the deferred period, and will source specialist providers to suit the individual’s needs.
  • Recuperation Benefit:
    • The insurer will pay for services requested by the individual that could improve or maintain their health and help them return to work.
    • This could could range from physiotherapy or counselling through to help travelling to work.
    • The individual could receive an additional payment of up to three times their monthly income protection benefit with no deferred period.
  • Hospitalisation Benefit:
    • To help individuals cope with long, expensive hospital stays, the insurer may pay individuals a per night fee after a set number of nights (subject to a maximum number of nights).
  • Proportionate Benefit:
    • Returning to work sometimes means a lower salary or fewer hours.
    • The insurer may top up the individuals benefit to match their usual monthly earnings.

9.0 Critical Illness Insurance

9.1 What is Critical Illness Insurance?

Critical illness insurance is a long term policy that will pay a lump sum if an individual is diagnosed with one or more of the critical illness detailed in the policy.

  • If paid out the lump sum can also be used to provide a regular income.
  • It is designed to provide the money to pay off bills or make alterations to the individual’s home, for example, wheelchair access.
  • A typical critical illness policy will cover conditions including:
    • Heart attack;
    • Stroke;
    • Certain cancers; and
    • Conditions like multiple sclerosis.
  • All illnesses have to be judged serious enough for the individual to qualify for a pay-out.
  • The amount of cover is selected by the individual and not linked to income.

9.2 Why Do I Need Critical Illness Insurance?

Reasons for taking out critical illness cover include:

  • Providing the finances to support the individual’s family if diagnosed with a critical illness.
  • Whilst life insurance will provide cover in the event of death (and can include cover which pays out if the individual is terminally ill with less than 12 months to live), critical illness insurance will provide the cover when the individual is critically ill.
  • Providing peace of mind to the individual and their family.