Long Term Disability Insurance & Mental Health

Individuals experiencing a disability typically settle for limited insurance packages. Both employer-provided ERISA plans and individual policies typically offer two-year payments for mental and nervous conditions. However, individual policy holders can opt for a package that offers a less restrictive payment plan.

What is a typical long term disability limitation?

Disabilities, due to sickness or injury, which are centered principally on self-reported symptoms, and disabilities caused by mental illness or alcohol and drug problems, will be restricted to 24 months of benefits.

These “self-reported” symptoms are essentially manifestations of your illness which only you report to a health expert. These symptoms include pain and fatigue, both of which cannot be substantiated using any formal medical examination.

Keep in mind that many policies exempt certain mental illnesses from the usual two-year benefit policy. Illnesses commonly exempted include dementia, bipolar disorder, schizophrenia, Alzheimer’s disease, depression, and organic brain disease. The silver lining is that individuals with any of these conditions may still be able to collect LTD benefits indefinitely provided they provide evidence of disability.

People who suffer from conditions such as chronic back pain may still be able to collect benefits for a period longer than two years provided they remain unable to work due to the condition.

Are you being denied long term disability benefits from your employer? There are legal avenues that can support workers with disabling conditions. With help from a long term disability attorney, you may be able to purse compensation for lost income and medical costs.

In many cases, workers are denied support from insurers due to incorrect applications and serious omissions in their paperwork. If this describes your situation, you may still be able to get your claim processed and receive benefits with proper legal assistance. Contact us today to learn more about your options.


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