Bipolar Ruled Mental Disability, Not Physical

The U.S. court of Appeals for the Second Circuit ruled that Bipolar Disorder could be properly classified by a plan administrator as mental, even though there are physical causes (Fuller v. JP Morgan, No. 03-7829, 2nd Cir. 2005, U.S. App. LEXIS 19437). Most group disability policies provide for only two years of benefits for mental disabilities, and cases have been brought around the country seeking to classify Bipolar Disorder as physical, so that the disabled claimant can receive long term disbaility benefits, beyond the typical two year limitation.