Re: LTD and two year mental health limitation
Originally Posted by SpineAZ
You would be notified in writing upon claim approval or at any time that m/n becomes the sole disabling condition (i.e. first out for cancer which resolves fully and then diagnosed with depression).
Where it is in the policy varies greatly as every insurance company structures their plan/policy documents differently. Often it's found in the area of the policy document that describes Benefits with bold titles such as "Limitation for Mental Disorder, Alcoholism and Drug Abuse" or "Mental Illness, Alcoholism and Drug Abuse Limitations" or "What Disabilities Have a Limited Pay Period Under Your Plan", or "Benefit Limitations" , etc.
Thanks for the confirmation Spine. This is exactly as I thought. http://t3.gstatic.com/images?q=tbn:A...iZuXU8Gpb4bdnG
Last edited by BlueSkies14; 03-08-2011 at 07:35 PM.