Group disability insurance and mental benefit limitations
There are many benefits of having group disability insurance, including the ability to make a claim if you find yourself physically or mentally disabled and unable to continue to perform your job as expected.
Unfortunately, not all claims, especially those associated with mental health, are treated in the same manner by insurance companies. This can lead to a variety of questions, concerns, and challenges.
Some disability policies have limitations in place to govern benefits paid out to people with disorders including but not limited to: panic attacks, depression, anxiety, and post-traumatic stress disorder (PTSD).
Despite the fact that these benefits are medically recognized, most insurance companies limit benefits to a period of no more than two years.
It doesn’t matter what type of disability insurance you have, it is important to fully understand the benefits that are available to you and how you will be treated in the future. Anybody who suffers from a mental condition should learn more about how their insurer will address the problem.
In the event that an insurance company denies a claim related to a mental condition, it is time to file an appeal as a means of fighting for the money you deserve.
Individual and group disability insurance policies often come with mental benefit limitations, some of which can cause you a lot of unnecessary stress if you don’t know which approach to take and how to deal with the insurance company.
Need help with your disability claim?
DarrasLaw has recovered nearly $1 billion in wrongfully delayed, denied, and terminated insurance benefits for our clients, and we want to help you. Schedule your free, no-obligation disability policy review and free claim analysis today by calling us at (800) 458-4577 or contacting us online.