Disability Insurance Coverage
Does disability insurance cover mental health conditions?
Most disability insurance policies cover mental health conditions, but with limitations. Mental and nervous disorder benefits are typically limited to 24 months (compared to age 65 for physical disabilities). An independent agent can help you find policies with the best mental health coverage.
Key Points
- Most policies cover mental health conditions
- Mental and nervous disorder benefits: typically limited to 24 months
- Physical disability benefits: typically to age 65
- An independent agent can help you find policies with the best mental health coverage
- Own-occupation definition: important for mental health professionals