Frequently Asked Questions

What Do Mental Nervous and Substance Abuse Limitations Mean?

Frank Darras:

“The mental nervous or substance abuse limitation can be as short as 12 months, and you need to be very careful. If you’re taking medication for back pain or neck pain; if you’re taking OxyContin, Opana, those kinds of medications easily can be abused. Or the carrier can argue you’re taking too much medication. The substance abuse limitation kicks in, and your legitimate back or neck pain and problem can be as short as 12 months.”

“Mental nervous as well– I often have people come to me with back pain. They’ve got secondary depression because they can’t do the activities that they used to do when they weren’t limited. So now, I’ve got some sadness and some depression. The carrier takes that back claim or the neck claim and turns it into a 12-month mental nervous claim. Be very careful.”

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