What You Need to Know About 24-Month Benefit Limitations

Some disabilities are diagnosed based on limited or objective medical evidence, regardless of whether they are physical or psychiatric in nature. For example, with lupus, a physical autoimmune disease, diagnoses can be elusive and symptoms vary greatly. While there are established criteria for diagnosing lupus, many patients may have it while still not meeting the full criteria. Clinical depression, bipolar disorder, anxiety disorders, and post-traumatic stress disorder, which can all be complex and/or nebulous when it comes to diagnosis, are examples of psychiatric disorders.

Because the diagnosis of some disabilities is based on limited or objective medical evidence, many insurance companies limit benefits for these types of claims to 24 months. This means that a policyholder diagnosed with depression would receive benefits for a maximum of two years.

While it varies by state, many insurance companies already have a 24-month benefit limitation or are moving towards one. Be sure to review a policy’s coverage of psychiatric disabilities before purchasing it or ask an expert. Contact Doctor Disability at 866-899-7318 to get personalized information regarding available options.