I filed for long term disability and my insurer approved my claim, but under the mental and/or nervous provision of the policy. Why is this if this condition is physical rather than a mental/nervous disorder?

Disability insurance companies have been known to approve an insured's claim, but under the mental and/or nervous disorder provision of the policy in order to cap benefits under the policies 24 month benefit limitation clause.  At the expiration of the 24 month limitation provision, the insured's benefits are terminated. 

If you feel your disability was improperly classified as a mental or nervous disorder under the cap limitations provision of your policy, you should seek an experienced long term disability insurance lawyer immediately.  

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.