Definitely PACE on steroids… great blog Jeannette x
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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