How does a pre-existing medical problem affect a long-term disability claim?
Generally, pre-existing medical
problems only pose a problem
if the disability
arises a short time after coverage begins (usually 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 came up just before coverage began (e.g. in the 90 days prior to the coverage beginning). The wording of the insurance policy is critical. Any policy should be carefully examined to determine specific provisions and how they may apply.
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