Insurers have to deal with mental illness issues just as they do physical. A mental ailment can disqualify someone from working under many insurance policies, and so insurers need to be aware of the conditions under which benefits are warranted. Likewise, they’ll need to understand when they’re not.

Insurance adjusters who deal with claims involving disability, injury, and illness, perform a difficult role. Nobody wants to deny a legitimate claim where a person is rightfully entitled to benefits while they recover and work toward returning to their occupation. But sometimes, you have to dig deep.

What are the common tells a disability claim may require a little more investigation? We’ve got five points disability insurers need to know to make better decisions.