My co-workers have told me that back conditions do not qualify as disabilities under our long-term disability benefit plan with Manulife. Is this true?
Never rely on what a co-worker or what you have heard when it comes to disability benefits. Some policies do have restrictions regarding what types of disabilities or medical conditions are covered or excluded, however, most group policies do not specifically exclude “back conditions” from coverage for disability benefits. If in doubt, submit the claim and let the insurance company process your claim. Rest assured if they intend to deny your claim because such conditions are not covered under their policy, they will tell you that but do not simply accept what someone tells you without getting written proof.
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