Most employer-provided long-term disability policies are not worth the paper they're written on.

A huge issue with these types of policies is the blatant discrimination against those who suffer from a mental illness or similar condition. Most all of these policies limit payments to 2 years.

What happens if your mental or nervous condition was actually caused by trauma? What happens, for example, if you were injured in a car accident?

 Most disability insurance companies will still limit your benefits to 2 years. Many courts are split on this issue.

 In Pennsylvania a federal court recently ruled that  Prudential insurance compani's mental  illness limitation would not apply  to a man who suffered serious injuries in a car accident. The court recognized that other courts are split on this issue.

 The court said that “if the depression and  anxiety stemmed from a physical disease or condition, the 24 month limitation will not apply.”

 The case is White v. Prudential Ins. Co. (E.D. Pa.)

Ben Glass
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Ben Glass is a nationally recognized Virginia injury, medical malpractice, and long-term disability attorney
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