Ask A Lawyer: Top Toronto Law Firm Sheds Light on Chronic Illness

Ask A Lawyer: Top Toronto Law Firm Sheds Light on Chronic Illness

Law Firm Sheds Light On Chronic IllnessAsk A Lawyer: Top Toronto Law Firm Sheds Light on Chronic Illness

ASK A LAWYER

Q: What is a pre-existing condition?

A: 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 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. This argument is an attempt to deny your claim. If your claim has been denied because of a pre-existing condition, you should contact an experienced lawyer.

Q: I’ve had diabetes for 10 years. It has progressed since I got disability insurance. Can I make a disability claim even though the condition is not new?

A: If you have been covered by your disability policy for an extended time, then your claim cannot usually be declined because it was a pre-existing condition. If you’ve had disability coverage for a short time (e.g. less than one year), any claim would usually be reviewed. This review determines whether it can be denied based on the exclusion clause for pre-existing conditions. This clause is part of most long-term disability policies.

 

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. Find out if you have a disability case.

We have recently settled cases against State Farm, Cigna, Foresters, Teachers Life, OTIP, Sun Life, and many more. Please share your own experience with us, we love hearing feedback from our clients.