Long Term Disability- Can your Benefits be Shortened by Mental Health Limitation Provisions?
{“en”:”Can you Long Term Disability Insurance Benefits be shortened by a mental health limitation provision? Hi I’m Marc Whitehead, a Board Certified Disability Attorney. Most policies have a 24 month mental health limitation. For mental health conditions such as depression, anxiety, and bipolar disorder. will only be paid for 24 months not through age 65. Many claimants develop depression secondary to chronic pain. The insurance company will try to classify the claimants impairments as mental So that benefits will only be paid for 24 months. So that benefits will only be paid for 24 months. So that benefits will only be paid for 24 months.
The insurance company may also try to classify cognitive problem or side effect from narcotic pain medication as a mental impairment It’s very important to make sure that the insurance carrier does not characterize a claimants physical impairment as mental. This topic is discussed more in my free ebook, Long Term Disability Insurance Policies, How to Unravel the Mystery and Prove Your Claim . Visit www.disabilitydenials.com for a free downloadable copy or call 1-800-562-9830 to discuss your particular Disability Insurance issue. I’m Marc Whitehead. Thank you for watching.. “}