Policy Limitations on “Mental Nervous” Conditions in Long-Term Disability Insurance

Many long-term disability insurance policies include provisions which limit disability benefits to two years for disability conditions which result from mental illness. Although there are usually only “organic” brain condition exceptions, these “mental nervous” limitations are extremely broad and encompassing. The long-term disability companies often try to limit any claim that has any “mental nervous” component under this provision. Additionally, even if your policy does not contain a substance abuse limitation, described below, your company may still try to sweep a substance abuse claim under the “mental nervous” limitation.

Policy Limitations on Substance Abuse Conditions in Long-Term Disability Insurance

Many long-term disability insurance policies limit disability insurance coverage for disabilities caused by drug and/or alcohol addiction, use, abuse or dependence to two years. If you suffer from one of these conditions, it is important to understand and recognize how such limitations may apply to you.

Presenting your claim in view of these limitations is extremely challenging, and requires much thought and preparation. Let Seltzer & Associates assist you in preparing and presenting your claim in the strongest possible way with the greatest likelihood of obtaining the maximum benefit payable under your long-term disability policy.