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 policies.
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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.