Long term disability usually has a 24 month limit on mental illness BUT my Metlife disability policy made an exception for a few severe mental illnesses like BiPolar and Schizoprehenia. Metlife actually hired the attorney to file for SSDI on my behalf; this was really important to them as it reduced their monthly payment to me and their attorney got me SSDI less than 60 days after they filed. I pay income tax on the SSDI and on 1/2 of the LTD policy because I paid 1/2 of the premium for the LTD. LTD pays until I turn 62.