Content Overview
- Summary
- Eligibility
- Probation Period
- Pre-Existing Condition Provisions
- Total Disability Definition
- Elimination Period
- Offsets
- Benefit
- Survivor Benefit
- Partial Disability Or Residual Benefit
- Recurring Disabilities Provision
- Maximum Benefit Period
- Mental And Nervous Limitation
- Other Exclusions And Limitations
- Rehabilitative Training Or Employment
- Waiver Of Premium
- Conversion Privilege
- Insurance Company Financial Situation
- Income Taxability Of Disability Insurance Benefits
Disability Insurance: Long Term: Group
Mental And Nervous Limitation
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Most plans limit the Benefit Period if the disability is due to a mental or nervous disorder. The plans typically pay such claims for a limited period of time, such as twenty-four (24) months.
If your illness is not a mental disorder, but there are some mental symptoms such as short term memory loss, disorientation, even dementia due to either the disease or medication, make sure the doctor is clear in his statements so the insurance company won’t try to impose a two year limit on benefits.
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