View Single Post
Old 03-08-2011, 12:44 PM   #1
BlueSkies14 BlueSkies14 is offline
Inactive
(male)
 
Join Date: Mar 2011
Location: USA
Posts: 2,602
BlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB User
LTD and two year mental health limitation

Is anyone here having this issue? Most LTD policies have a clause that limits payments for 2 years max. for mental/nervous disorders. I have a group policy with my LTD carrier that fortunately does not have this limitation. I say fortunate b/c I am no longer able to work due to a lifelong history of OCD, panic, and severe GAD. AS long as I remain disabled according to my carrier and my company's SPD, the max. benefit duration is to age 65. Can anyone tell me if the policy did have a M/N clause, where would that be found in your policy? Would the insurance company notify you of this once they approve you for benefits for a mental health disorder?

Last edited by BlueSkies14; 03-30-2011 at 03:39 PM.