the unfortunate reason for this is the number of fellow pilots that would fake mental illness so they can sit at home and get paid. It’s not like a broken bone where you have proof. Insurance companies hate mental illness, there is no set timeline for when you are better so they try to limit coverage to a set time regardless of your progress. I have a kid that spend 2 years in a residential psychiatric faculty. I was told insurance would only pay for 3 month, luckily. They paid 18, but that was an anomaly.

we spend 747 Billion dollars a year in this country to keep grandma alive for 6 extra months. We spend nothing on mental health care.

that’s all I have to say about that.