Article 8 of 9 in Disability Insurance Claims, Disputes, and Attorneys
A disability insurance pre-existing condition is defined as a mental or physical condition that exits prior to the effective date of the insurance policy. Most policies have a disability insurance pre-existing condition exclusion that prevents you from obtaining insurance coverage for any condition for which you were treated or that you knew about or should have known about for two years prior to the effective date of the policy. When you file a disability insurance claim, be wary of the company denying benefits because of a pre existing condition.
What Disability Insurance Pre Existing Condition Excludes
The pre existing condition exclusion exists to prevent insured parties from receiving disability benefits for injuries they had prior to the start of the policy. The disability insurance pre existing condition allows a company to deny a claim if it finds the injury:
According to the policy, a disability insurance pre existing condition is defined as any disability:
According to the pre-existing definition above, if three years or more has lapsed since the onset of a disabling condition which manifested itself from a pre-existing ailment, your disability claim should be paid. However, the insurance compnay may still push the envelope to deny the disability insurance claim. If this happens to you, consult a disability attorney. You can find the pre existing condition insurance definition in your disability policy.
TIP: When filing out your disability insurance application, it is best to explain any and all pre-existing conditions. It is still possible to get a policy, however, you may have to pay a higher rate. If you don't disclose the pre existing condition, your claim could be denied later.
Pre-existing Conditions and Disability Insurance Claims
Insurance companies have been known to lean on a disability insurance pre-existing condition to deny claims or limit benefits. If the insurance company notices any medical history relating to the injury, then it may try to limit benefits. Any of the following can lead to denied benefits under the pre existing condition exclusion:
If you are concerned about a pre existing condition affecting your disability insurance claim, you can do the following:
If the insurance company denies your claim as a result of a pre-existing condition, you should contact adisability insurance attorney. A disability insurance attorney will have the knowledge to get around a pre-existing condition denial and understand what documentation is needed to prove your case. To get the legal assistance you need, click here to get a free case evaluation today!