Bipolar Disorder Discrimination And Stigma

Today has been disheartening. Due to my bipolar disorder I was discriminated against.

My husband and I have opened up a new website design business and working hard to get all of our ducks in a row. The final step was to get business insurance before we officially opened up shop.

We contacted our local insurance broker to help us out. He found us a good deal through The Hartford Insurance Company, a reputable company who’s been in business a lot of years. We were excited! Although, they (in my opinion) were a bit sneaky and did some deep digging. They searched out our business website. Fine tooth combed through our website clients and found my BipolarMe website. Which I’m fine with, got nothing to hide. Until it was used against me.

As I was not in contact with them directly, only through our broker. Our broker communicated between us. What should have been a simple cut and dry process, quickly turned difficult. The Hartford began having a lot of questions about my website BipolarMe.

They went through a registrar and found my name and picture attached to the website. Apparently, they didn’t like that. I was asked what kind of website it was. I explained BipolarMe was a website like many others that was informative and helps bring bipolar disorder awareness. I was clear it was NOT a site replacing advice or care from a doctor. That we had a clear disclaimer on our website stating to the fact. Per our broker they didn’t like the personal nature of my website.

Unfortunately, it led to more questions (I’ll spare you all the rest). Each pertaining to my having bipolar disorder. In a nutshell, unless I removed my name and picture from any website I’m attached to, I was going to be denied business insurance through them.

When I got the call from our broker, frankly it left me in tears and depressed! How do they have a right to discriminate against me for having bipolar disorder? Isn’t that violating civil rights? I have so many questions!

My husband and I discussed the matter further with our broker (who totally agreed with us) and we are now looking for another insurance company to do business with.

I’m honestly taken aback by all of this. What should have been a great experience opening up our business has turned a bit sour.



Living with type 1 bipolar disorder, PTSD (due to childhood trauma), Rapid Cycling, and Seasonal Affective Disorder. Writing about my life experiences.

5 thoughts on “Bipolar Disorder Discrimination And Stigma

  • Avatar
    April 21, 2016 at 2:06 pm

    I am so sorry that has happened to you 🙁 you know what? it is that stupid insurance companies loss not yours, they had a chance to do business with a really good person, instead they chose to be ignorant, if they are willing to discriminate based on mental health , then is that the kind of company you really want to be doing business with ?

    • bipolarme
      April 23, 2016 at 12:29 pm

      Thank you for your comment and support ? I certainly do not want to do business with such a company! Luckily we found another insurance company to do business with ?

  • Avatar
    May 16, 2016 at 2:54 am

    This happens all the time, it’s just as bad here in Ireland. Sorry you had to go through it. Hope the business is a great success for you both.

    • bipolarme
      May 16, 2016 at 12:19 pm

      Thank you very much for your comment! It really is a terrible shame that anyone has to experience discrimination and stigma, due to there diagnosis. Luckily in my case we were able to get insurance with a different company for our new business. Thank you, I do hope we find success in our new business.

  • Avatar
    April 20, 2018 at 1:03 pm

    Hi! I found this because I have just had a brokerage that I was trying to open an account with ask additional information about my disability and later asking me to provide a letter from my Dr. stating that I’m able to self manage a brokerage account.
    I googled something about broker discrimination for someone with bi-polar and found this page.
    I’m an Honorably Discharged Navy Vet, just saying, I never thought being bi-polar would be an issue opening up a brokerage account.


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