What are the benefit limitations for mental and/or nervous medical conditions?

Most long term disability insurance policies impose a 12-24 months benefit limitations provision on mental and/or nervous disorders.  This means that if your disability claim is approved, the insurer will pay you benefits for up to this limitation period only.  Your benefits will cease after this limitation period expires.

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.