Video Library

How could Language In The Mental Nervous Provision Affect My Claim?

Frank Darras:

“Oftentimes, in your mental nervous provision of your individual policy, you’ll have “contributed to” language as opposed to “caused by.” What’s the difference, and how will it affect you?”

“”Caused by” means just that. If I’ve got a mental problem; if I’ve got major depression or schizophrenia or agoraphobia, a doctor, a psychologist, a therapist can talk about what caused my agoraphobia. If, on the other hand, my policy has “contributed to” language, if I’ve got back pain, and now I’m sad and depressed that I can’t go out and play with my kids, carriers can use the “contributed to” language to limit my benefits to 12 or 24 months. Be very careful about the “caused by” or “contributed to” language in your mental nervous provision.”

Our Promise To Our Clients:

  • FREE: Consultations and Insurance Case Evaluations Are Always Free
  • UNDERSTANDING: We understand how you feel. Our clients are often at the very bottom of their life, feeling emotionally, physically, and financially exhausted.
  • PASSIONATE PEOPLE: Our expert Attorneys and Dedicated Staff Love The Work We Do. We are Compassionate, Caring, and Results Driven.
  • UNPARALLELED RESOURCES: We will not be bullied or outspent by billion-dollar insurance companies or their army of lawyers. 
  • RESPECTED: We have fought and won the respect of every disability and Long-term care insurance carrier for our policyholders.
  • RESULTS: Frank Darras and his firms have recovered nearly a $1 billion dollars in wrongfully denied insurance benefits to date, and we put that proven track record to work for you and your family.

DarrasLaw is Americas' most honored and decorated disability litigation firm in the country. Mr. Darras has seen more, evaluated more, litigated more, and resolved more individual and group long term disability and long-term care cases than any other lawyer in the United States.

Request a Free, Confidential Case Review.
Skip to content