In my opinion most group long term disability policies are crappy.

They just are. People should buy an individual policy if they can afford it.

Many (but not all) group policies discriminate against the mentally ill by limiting benefits to 2 years.

Imagine that. You develop one particular type of illness (a mental illness) and you get a whopping two years of financial "security" if you can't work.

Most Prudential group disability policies that I have seen take this one step further (worse)

Prudential's policies say that benefits will be limited to 2 years if

[the disability], as determined by Prudential, [is]  due, in whole or part to mental illness.

Did you see that? "In whole or part."

Prudential says in their policies that if they can link your inability to work, in any way, to a "mental illness" they win and you lose.

Most long term disability policies that do limit benefits to 2 years do so only if the disability which prevents you from working is THE cause of your loss of income.

That's a big difference.

Go buy an individual, private policy if you can.

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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