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Can I Make A Disability Claim Even Though My Condition Was Pre-Existing?

Disability Benefits - Question 114
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 have only had disability coverage for a short time (e.g. less than one year), then any claim would usually be reviewed to determine whether it can be denied based on the exclusion clause for pre-existing conditions, which is part of most long-term disability policies.

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