Can Disability Policies Limit Benefits for Disabilities Caused by Mental Disorders?
I have a disability policy that I obtained through my employment. I have had a lot of emotional problems recently and have been hospitalized several times for those problems. My psychiatrist says that I need to take at least one year off of work and, in fact, I may never be able to work at my old job again. I talked to my human resources department about receiving disability payments and they said that the insurance policy cuts off benefits after two years if the disability is a result of mental or emotional disorders. Can they do that?
It is not uncommon for disability policies to limit benefits in a number of different ways, including limiting the time period for payments because of mental or emotional problems that result in disability.
You need to ask a lawyer to review the policy and medical history and see what rights you have under the policy. Most lawyers who represent those seeking benefits under a disability policy, including our office, do not charge for an initial consultation.
