HomeDisability InsuranceWhat is a mental health and substance abuse limitation in disability insurance?
Disability Insurance Basics
What is a mental health and substance abuse limitation in disability insurance?
Many disability insurance policies limit benefits for mental health and substance abuse disabilities to 24 months. This is called the mental health and substance abuse (MHSA) limitation. Some policies have no MHSA limitation. Mental health and substance abuse are leading causes of disability claims.
Key Points
- MHSA limitation: benefits for mental health and substance abuse limited to 24 months
- Many policies have this limitation
- Some policies have no MHSA limitation
- Mental health and substance abuse: leading causes of disability claims
- An independent agent can identify policies with no or limited MHSA limitations