The overwhelming majority of ERISA governed, employer provided disability insurance policies contain a 24 month limitation on benefits due to disabilities caused by a Mental Health condition. Although the language and extent of the limitations can vary depending on the insurance carrier there will almost always be some limitation written in your policy. Despite efforts by insureds and lawyers to challenge these limitations under the American with Disabilities Acts, Courts throughout the country have deemed them enforceable. However, a recent federal court opinion in Montana may have opened the door as to how to effectively challenge these limitations.
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In Alec L Vs Standard Insurance Company, Plaintiff seeks the long term disability benefit payments that were wrongfully denied to him under the terms of the Plan.

The Plaintiff has filed this lawsuit against Standard Insurance Company (Standard), who issued a long term disability plan for Wellbridge Company, who employed the Plaintiff as a Senior Sales Representative. The Plan met the requirements of the Employee Retirement Income Security Act (ERISA) of 1974. Oregon.
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In Alec L Vs Standard Insurance Company, Plaintiff seeks the long term disability benefit payments that were wrongfully denied to him under the terms of the Plan.

The Plaintiff has filed this lawsuit against Standard Insurance Company (Standard), who issued a long term disability plan for Wellbridge Company, who employed the Plaintiff as a Senior Sales Representative. The Plan met the requirements of the Employee Retirement Income Security Act (ERISA) of 1974. Oregon.
Read more »