Most LTD policies put a cap on the amount of time you can receive long term disability benefits for reasons of a mental condition. It has actually been alleged that LTD carriers will attempt to classify some conditions as mental versus physical to avoid having to pay long term disability benefits beyond the typical two-year time frame. This is why it is very important to have an experienced long term disability lawyer on your side. A lawyer can review your policy before you file a long term disability claim, to better understand your plan’s definition of disability so your plan’s requirements for approval have a stronger chance of being met. More importantly, however, a lawyer can work to ensure that your claim receives full and proper consideration. The involvement of an attorney, especially one who specializes in long term disability, may give the insurer the necessary incentive to review the claim properly.