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If I Have Physical and Mental Disabling Conditions Will My Disability Benefit Be Subject to a Limited Pay Period?

Attorney Jay SymondsAuthor: Attorney Jay Symonds

The answer to this question is very fact specific in each case. Not every disability policy has a limited pay period for a mental condition. Most employer provided long term disability policies will limit mental health disabilities to either 12 or 24 months. In the situation where a claimant has both physical and mental disabilities, then it still may be possible to continue benefits beyond the limited pay period. In this video, nationwide disability insurance lawyers Gregory Dell and Jay Symonds discuss multiple issues surrounding the mental nervous limitation clause. Our disability benefit lawyers have helped hundreds of claimants to secure benefits beyond the mental nervous limitation period. We always offer a free initial phone consultation and we are available to assist you anywhere in the country.

There are 2 opinions so far. Add your comment below.

Mr. Scott:

I have a Aetna LTD for my two hands/elbows. However, Aetina said they would consider the whole picture of my disability issues, to make a stronger case for continuing my policy beyond the 24 month period. My brain disability is not mental, it’s organic, due to multiple head injuries. I fear, Aetna will terminate for the brain issues and disregard the bilateral, carpal tunnel and ulnar Entrapment. The latter of which I was released from work. I also have a Federal and Social Security disability retirement, both of which say, I cannot work but, Aetna does not consider. I have kept, pain log/sleep logs. And I’m on multiple narcotics and muscle relaxers. I look forward to hearing from you.

Attorney Stephen Jessup:

Mr. Scott, please contact our office to discuss your claim further and to best present your brain injury as being organic in nature.

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