Short and long-term disability insurance companies are denying or arbitrarily are limiting wage replacement benefits to people disabled by mental disabilities. Workers, employers or both pay premiums for years, only to have those private insurers either deny people with mental disabilities benefits altogether or limit payments to shorter periods than people with physical disabilities.
These insurance companies have never been able to show that it costs more to insure people with mental disabilities than physical disabilities. These insurers are making millions while denying people who are disabled by mental conditions the wage replacement protection that the disabled workers thought their policies would provide. While these corporations profit, those who are denied prematurely lose their private
disability benefits and are often forced to rely on state and federal assistance programs such as SNAP, fuel assistance and are frequently at risk or result in losing their homes.
Supporting legislation to stop this discrimination would save the tax payers of Massachussetts and the whole country. The insurance companies are shifting this
cost to society. Insurance companies must not be allowed to profit from stigma against persons with mental conditions which leads to this type of discrimination.
Those of us utilizing these disability policies want to return to work. While aspiring to recovery and employment, we need to be able to be able to depend on our private disability insurance benefits to assist in our recovery.
Please help stop the private insurance companies from discriminating against us all.
In the past, bills to stop discrimination like this have died in the legislature due to the lobbying of insurance companies and big business. We need to fight back. Please tell your legislators that you support statutes that prohibit discrimination in disability insurance policies.
Thank you for your support.