Equal Disability Benefits: Mental and Physical Health Parity
This act aims to ensure that disability benefit plans treat mental health conditions and substance use disorders equally to physical health conditions. This means if a mental health issue or addiction prevents you from working, your benefits won't have worse terms than for a physical disability. The act also introduces penalties for companies that fail to comply with these rules.
Key points
End to Discrimination: Disability benefit plans can no longer limit benefits for mental health or substance use disorders more restrictively than for physical conditions.
Broader Coverage: If your mental health or substance use disability causes physical health issues, those issues will also be covered as part of the disability.
Penalties for Violations: Companies that do not follow the new rules can face financial penalties.
Right to Sue: Individuals can take legal action against plans or issuers if they fail to comply with these new requirements.
Status:
Introduced
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