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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