"In the other 49 states, long-term disability benefit claims for physical ailments -- cancer, arthritis, stroke -- are assessed differently than mental health issues -- major depressive disorder, anxiety, PTSD and eating disorders. For 99% of group disability plans sold in the United States, long-term disability benefits for a behavioral health condition max out at 24 months, often leaving those with severe and persistent mental health symptoms in dire straits."  MORE >>