No, long term disability (LTD) claims do not only cover physical disabilities. They can also cover mental health conditions or psychological disorders, as long as the individual meets the policy’s criteria for disability. Visit our page to learn more about common medical conditions that lead to long term disability claims. Here are some factors to consider for your Long Term Disability Claim:
- Documentation: For both physical and mental disabilities, appropriate medical documentation is required to support the claim.
- Policy Details: Some LTD policies may have specific exclusions or limitations for mental health-related disabilities. For instance, a policy might have a shorter benefit period for mental health conditions compared to physical ones
- Duration of Benefits: Certain policies may offer benefits for physical disabilities until a set age (e.g., 65), but mental health conditions may be subject to different timeframes or may require more detailed evidence of severity.
It’s important to thoroughly read the terms and conditions of the LTD insurance policy, as coverage for mental health conditions can differ from one insurer to another.
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At Marc Whitehead & Associates, we assist individuals with obtaining the long term disability benefits they deserve. Don’t wait—call us today for a FREE consultation with our national long term disability law firm.
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