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?
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
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Other Similar Questions
I’m a welder. Lately I have been experiencing debilitating pain in my right shoulder, which I had injured at work 15 years ago, and I can no longer perform the duties of my job. My doctor diagnosed me with osteoarthritis in my shoulder and said the injury may have contributed to its development. Should I make a claim to WSIB at this point, or to my long-term disability insurance?
What is a Pre-Existing Condition?
The insurance company is adamant that I can work. My professional licence is suspended. What now?
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This searchable database contains information about disability, critical illness and life insurance claims, and what you can do if you are denied or cut
off of your benefits. It is a collection of the most common questions we receive from our clients. General answers have been provided by our lawyers.
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