It appears you have not yet Signed Up with our community. To Sign Up for free, please click here....



Disabilities Message Board
Post New Thread   Closed Thread
LinkBack Thread Tools
Old 03-08-2011, 12:44 PM   #1
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.

 
Sponsors Lightbulb
   
Old 03-08-2011, 06:09 PM   #2
Facilitator
(female)
 
SpineAZ's Avatar
 
Join Date: Oct 2005
Location: Wisconsin
Posts: 5,106
SpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB User
Re: LTD and two year mental health limitation

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.
__________________
Rt thumb fusion '13. R&L thumb arthroplasty '12 ; RT TKR & Bilat CTS' 11. Fusions: L5-S1('87), L4-S1('93), C5-C7('06), L3-S1('10), C4-C5('13). C5-C7 foraminotomy '08

 
Sponsors Lightbulb
   
Old 03-08-2011, 07:33 PM   #3
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
Re: LTD and two year mental health limitation

Quote:
Originally Posted by SpineAZ View Post
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.

 
The Following User Says Thank You to BlueSkies14 For This Useful Post:
SpineAZ (03-08-2011)
Closed Thread

Similar Threads
Thread Thread Starter Board Replies Last Post
Benefits in the UK & Mental Health dvchris Disabilities 4 07-17-2011 06:09 PM
SSD Mental Exam Appt-What should I expect? sbella68 Disabilities 5 08-11-2009 08:06 PM
Why did they only send me to a mental health DR? happygirl440 Disabilities 5 08-11-2009 07:05 PM
Two different Doctors appts one mental one physical? jbsim Disabilities 3 02-16-2009 11:34 PM
how is my mental health i want to take a test Raxter68 Disabilities 0 01-22-2009 04:03 PM




Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is Off
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off




Sign Up Today!

Ask our community of thousands of members your health questions, and learn from others experiences. Join the conversation!

I want my free account

All times are GMT -7. The time now is 06:54 AM.



Site owned and operated by HealthBoards.comô
Terms of Use © 1998-2014 HealthBoards.comô All rights reserved.
Do not copy or redistribute in any form!