Disability Insurance Basics
Does disability insurance cover mental health?
Most disability insurance policies cover mental health conditions. However, many policies limit mental health and substance abuse benefits to 24 months (compared to the full benefit period for physical disabilities). Some policies provide equal coverage for mental and physical disabilities.
Key Points
- Most disability policies cover mental health conditions
- Many policies limit mental health benefits to 24 months
- Some policies provide equal coverage for mental and physical disabilities
- Mental health: leading cause of disability claims
- An independent agent can help you find policies with the best mental health coverage