Content Overview
- Summary
- Pre-Existing Condition Provisions
- Premiums
- Elimination Period (Also Known As "Waiting Period")
- Definition of Total Disability
- Partial Disability
- Recurring Disabilities Provision
- Benefit Amount
- Maximum Benefit Period
- Survivor Benefit
- Mental And Nervous Limitation
- Exclusions And Limitations
- Rehabilitative Training Or Employment
- Waiver Of Premium
- Riders: Guaranteed Insurability, Social Security Offset, Cost Of Living
- Renewal Terms
- Insurance Company Financial Situation
- Taxation of Benefits
Disability Insurance: Long Term: Individual
Mental And Nervous Limitation
Next » « Previous11/18
Most plans limit the Benefit Period if the disability is due to a mental or nervous disorder. The plans typically pay such claims for a limited period of time, such as twenty-four (24) months.
If your illness is not a mental disorder, but there are some mental symptoms such as short term memory loss, disorientation, even dementia due to either the disease or medication, make sure the doctor is clear in his statements so the insurance company won’t try to impose a two year limit on benefits.
Get Your Personal Guide
Please share how this information is useful to you. 0 Comments
Post a Comment Have something to add to this topic? Contact Us.