Do long term disability insurance companies treat Bipolar Disorder under the policy's two-year limitation on mental and nervous disorders?

Yes, currently all long term disability insurance companies treat Bipolar Disorder as a mental disorder and limit benefits to the 24 month limitation time period.  However, currently there is a class action lawsuit asserting that Bipolar Disorder is a biologically based illness that does not come under the definition of mental disorder in the policy. 

The Law Firm of J.P. Gonzalez-Sirgo, P.A. represents individuals that have had their valid long term disability benefits denied, delayed or terminated irrespective of whether the policy was purchased individually or issued through an employer group policy.  The firm is available to assist individuals with the initial application process, during the administrative appeals process, handling denials of claims or termination of benefits, litigation in state or federal court, and negotiating a one-time lump sum settlement or buy-out.  Please contact our office to discuss your case in more detail.