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&Lt thumb arthroplasty 2012 ; RT TKR & Bilat CTS 2011
Fusions: L5-S1 (87), L4-S1 (93), C5-C7 ('06), L3-S1 ('10)
C5-C7 foraminotomy 08