LTD STD and 2yr max
Ok, so I currently have a disability insurance policy through MetLife from my employer. I have had 2 previous LTD claims that lasted about a year each including the 90 day STD elimination period. I can't seem to get an accurate explanation of the 2yr maximum regarding mental health disabilities. My most recent contact with MetLife's agents said that the maximum only stands for a maximum duration per claim per diagnosis. But previous contact has said that it's a lifetime maximum. I'm hoping if anyone else has ran I to this. Also if it is in fact a lifetime maximum is that per diagnosis or just mental health disabilities in general? And is that only for LTD? So if I've met that maximum would I no longer be able to be covered even through STD coverage for mental health disabilities?
I appreciate yalls advice