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ScottyMacEsq
ScottyMacEsq, Lawyer
Category: Employment Law
Satisfied Customers: 16850
Experience:  Licensed Texas General Practice Attorney
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My company offers long-term disability. Why are mental health

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My company offers long-term disability. Why are mental health issues only covered for up to 24 months when other medical conditions can cover you until the age of 65

ScottyMacEsq :

Thank you for using JustAnswer. I am researching your issue and will respond shortly.

ScottyMacEsq :

If you're asking why this is done (rather than the legality of it), it's based on risk assessment. The problem with mental health issues is the lack of objective verifiability. "Depression" is different than a broken leg or arm. Insurance companies don't want to get in the business of refereeing duels between doctors arguing the nature of the mental illness.

ScottyMacEsq :

So the limitation to 24 months is a risk management situation to keep costs down (since the total cost is going to go down, the per insured cost goes down as well).

ScottyMacEsq :

As far as legality goes, it is legal to do so. There is a bill (H1174) that is seeking to require "parity" (basically the same amount of time) for other medical conditions, but it is not yet law.

ScottyMacEsq :

Until there is such a law that requires parity, insurers can still discriminate between mental health issues and other medical conditions, legally.

ScottyMacEsq :

Hope that clears things up a bit. If you have any other questions, please let me know. If not, and you have not yet, please rate my answer AND press the "submit" button, if applicable. Please note that I don't get any credit for my answer unless and until you rate it a 3, 4, 5 (good or better). Thank you, XXXXX XXXXX luck to you!

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