How Does a Pre-Existing Medical Condition Affect My Disability Claim?

How Does a Pre-Existing Medical Condition Affect My Disability Claim?

Whether you have had back pain since you were a teenager or a more recent condition has left you experiencing some discomfort, being involved in a long-term disability claim with a pre-existing condition can have an impact on your claim. For example, the insurance company may assert that you are not qualified for disability as your medical issues are connected to the said pre-existing condition. However, Share Lawyers may be able to help you receive the compensation for which you are entitled, regardless of any pre-existing conditions.

A pre-existing condition is a term used by insurance companies to describe a medical condition that existed prior to your disability insurance coverage. For example, if you started at your job six months ago and now find that you cannot do your job because of asthma or diabetes; your insurance company may argue that your asthma or diabetes existed prior to your coverage and attempt to deny your claim. If your claim has been denied because of a pre-existing condition, you should contact an experienced lawyer. Share Lawyers have years of experience helping others in similar situations!

Generally, pre-existing medical problems only pose a problem if the disability occurs a short time after coverage begins- usually within one year on a group policy. In cases where a claim of total disability is made in the first year of coverage, the insurer may investigate to see if entitlement to benefits is excluded because of a pre-existing medical condition that existed before coverage began (e.g. in the 90 days prior to the coverage beginning). The wording of the insurance policy is crucial. Any policy should be carefully examined by a lawyer to determine the specific provisions and how they may apply to you.

If your disability claim has been denied because the insurance company says you had a pre-existing condition, Share Lawyers can review your case to determine whether you have any chance at avoiding the pre-existing exclusion.

Has your long-term disability claim been denied? Contact Share Lawyers and put our experience to work for you. We offer free consultations and there are no fees unless we win your case.

We have recently settled cases against Equitable Life, Humania Assurance, Prudential, Industrial Alliance, and State Farm

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