{"id":6224,"date":"2023-03-19T20:42:15","date_gmt":"2023-03-19T20:42:15","guid":{"rendered":"https:\/\/www.nickortizlaw.com\/?page_id=6224"},"modified":"2023-04-17T16:32:33","modified_gmt":"2023-04-17T16:32:33","slug":"mental-health-limitations","status":"publish","type":"page","link":"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/ltd-glossary-key-terms-in-policy\/mental-health-limitations\/","title":{"rendered":"Mental Health Limitations in Long Term Disability Claims"},"content":{"rendered":"\r\n<p>A mental health limitation in a <a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/\">long-term disability<\/a> claim is a restriction or limitation on the amount of benefits that an insured can receive for a mental health condition, such as <a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/depression\/\" data-type=\"page\" data-id=\"1616\">depression<\/a>, <a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/anxiety\/\" data-type=\"page\" data-id=\"1595\">anxiety<\/a>, or <a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/ptsd\/\" data-type=\"page\" data-id=\"2660\">post-traumatic stress disorder (PTSD)<\/a>.<\/p>\r\n\r\n\r\n\r\n<p>Mental health limitations may be included in some individual disability insurance policies or group long-term disability insurance policies. These limitations may include:<\/p>\r\n\r\n\r\n\r\n<ul>\r\n<li>A cap on the length of time benefits will be paid for a mental health condition, such as limiting benefits to <a href=\"https:\/\/www.nickortizlaw.com\/long-term-disability-after-2-years\/\" data-type=\"post\" data-id=\"3262\">24 months or less<\/a>.<\/li>\r\n\r\n\r\n\r\n<li>Limits on the amount of benefits paid for mental health conditions, such as capping benefits at a percentage of the total benefit amount.<\/li>\r\n\r\n\r\n\r\n<li>Exclusions for certain mental health conditions or treatments, such as excluding benefits for substance abuse or certain types of therapy.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p>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&#8217;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.<\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>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 &hellip;<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":6209,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"_links":{"self":[{"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/pages\/6224"}],"collection":[{"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/comments?post=6224"}],"version-history":[{"count":0,"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/pages\/6224\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/pages\/6209"}],"wp:attachment":[{"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/media?parent=6224"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}