Does Disability Insurance Cover Mental Health? 
Yes , most disability insurance policies pay claims for mental disorders . However , often times the benefit period for mental disorders is capped at 24 months except in the state of Vermont where limitations are not allowed . If the benefit is capped , then the benefits will cease once the insured has been paid benefits for the specified period of time -LRB- again usually 24 months -RRB- . There are some carriers that do not cap -LRB- restrict -RRB- this benefit . 