Question

Can Standard cut off my benefits after 2 years if my primary condition is physical and not mental?

Asked on July 9th 2011 by Sandra Williams
I was on long term disability with Standard for two years due to depression, stress, and high blood pressure. They discontinued my benefits as they state the proximate cause of my uncontrolled blood pressure health issue was my mental state, and since their policy only covered mental health issues for two years they discontinued the disability payments. This effected my group health insurance as my employer will not longer allow for the health plan coverage. My medicals primarily for my uncontrolled blood pressure issue will run $700.00 a month or more, and now I cannot see my Cardiologist due to no group insurance.

Answer

Answered on July 10th 2011 by Attorney Gregory Dell

Sandra, if your primary disability is physical and not mental, then it may be wrong for The Standard to limit your benefit to 2 years. We would need to review your denial letter and policy in order to determine the appropriate action to take.