Does my disability have to be based on a physical injury or illness?
Allan W. Ben, PC: Generally no, but the answer depends on the type of benefit you are seeking. For example, many policies provide for a limited benefit based upon a mental disability. There are also many policies, usually individual policies, that do not limit benefits, based upon a mental disability. You should always consult your summary plan description to determine how much your benefit will be, and how long you will receive those benefits. Lastly, there are many carriers that misconstrue a physically based disability for one that is based on a mental condition. It is important to know the difference and to have someone on your side to make sure that they stay separate.