Keep an Eye on Your Walitt: NIH Study Poses Dramatic Risk to Long-Term Disability Benefits

Definitely PACE on steroids… great blog Jeannette x

Thoughts About M.E.

Many ME/CFS* sufferers are covered by employer-sponsored long-term disability (“LTD”) policies. These policies almost universally limit LTD benefits to 24 months for disability caused—or even just contributed to—by a mental/nervous disorder. The following language is taken from a current policy issued by a major LTD insurer:

“Once 24 monthly disability benefits have been paid, no further benefits will be payable for any of the following conditions:

  • Anxiety disorders
  • Delusional (paranoid) disorders
  • Depressive disorders
  • Mental illness
  • Somatoform disorders (psychosomatic illness)” [emphasis added]

Another leading disability insurance company defines mental illness as:

“a mental, nervous or emotional disease or disorder of any type.” [emphasis added]

There are variations in the language, but the gist of the mental-health limitation in most LTD policies is the same: a termination of coverage for mental-health conditions after 24 months. Somatic Symptom Disorder as well as other somatoform disorders are listed in…

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