mental health disability benefits

[Guest celliott]

While my disability was based on both psychological and physical conditions, my Long Term Disability Insurance company refuses to even consider the physical aspects and I have no clout with them. They cut off my benefits after the "usual" 24 months.

Has anyone else any experience with this?

[Guest Killer Joe Ribakoff]

Lots of good folks are messed with everyday like this by their LTD insurer. You gotta fight 'em.

Many disability policies have a two year cap on mental health disabilities. Courts have ruled these terms as ambigious. They do not apply if the mental condition is organic. You need to talk to a lawyer asap.

[Guest beach poet]

And most lawyers you go to will want substantial money up front. Don't pay it. Get someone to take it on contigency. I have a claim in federal court. It's been there 5 years!