A mental health limitation in a long-term disability claim is a restriction or limitation on the amount of benefits that an insured can receive for a mental health condition, such as depression, anxiety, or post-traumatic stress disorder (PTSD).
Mental health limitations may be included in some individual disability insurance policies or group long-term disability insurance policies. These limitations may include:
- A cap on the length of time benefits will be paid for a mental health condition, such as limiting benefits to 24 months or less.
- Limits on the amount of benefits paid for mental health conditions, such as capping benefits at a percentage of the total benefit amount.
- Exclusions for certain mental health conditions or treatments, such as excluding benefits for substance abuse or certain types of therapy.
Mental health limitations are often included in disability insurance policies due to the higher risk of fraud or abuse associated with mental health claims. However, it’s important to carefully review the terms and conditions of an individual disability insurance policy or group long-term disability insurance policy to understand any mental health limitations or exclusions that may apply.