Category Archives: Post-Hoc Rationale

Physical Disability “Contributed To” By Mental Illness

What is Required to trigger the “Mental Illness” Limitation in an ERISA Disability Policy? Many, if not most disability insurance policies contain what is commonly referred to as a “M & N” (Mental and Nervous) limitation. Typically, that limitation provides that only 24 months of benefits, will be paid for mental and nervous impairments. However, […]

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