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.