Many if not most modern disability insurance policies limit the payment of benefits for disabilities that are attributable to mental health disorders, such as depression, anxiety and others. Normally, benefits are not precluded entirely, but are subject to a maximum payment period—typically 1 or 2 years.
Normally, Frank doesn’t handle disability claims based solely on mental impairments. However, the presence of cognitive and/or mental health symptoms is not uncommon among individuals with other types of medical disorders. If disability arises from the underlying disorder, and the mental symptoms are secondary in nature, there is generally no limit on the payment of benefits. Frank regularly handles cases such as this.