In re Polan v. New York Ins. Dep't, 814 N.E.2d 789 (NY 2004)
Efforts have been launched across the country to enhance the benefits available to individuals with a mental illness under employer-provided health care plans. Such plans often include long-term disability insurance coverage that provides income or other benefits for an employee that becomes disabled. For a physical disability, this coverage may last as long as the disability continues or until the age of 65 when Social Security and Medicare benefits become available. For a mental disability, however, this coverage may be limited to a given period of time, such as two years, notwithstanding that the mental disability may be chronic and leaves the individual unable to work...