Will my Disability Benefits be Denied for a Pre-Existing Condition?
Any individual who suffers serious injury or illness that makes them unable to work can file for disability in order to maintain their quality of life. However, many wonder whether or not they will receive disability benefits if they have a pre-existing condition.
The answer to this query tends to vary. Most insurance companies place an exclusion clause in their disability policies to prevent people from obtaining coverage for a condition they knew about and had already sought treatment for, or should have known about two years before the start of the policy. This is one of the primary reasons why individuals with pre-existing conditions should use the services of an attorney when trying to file for disability.
Well-known pre-existing condition exclusions:
The main purpose of pre-existing condition exclusions is to prevent insured individuals from receiving benefits for illnesses of injuries they already knew about before signing a policy. In most cases, an insurance company will deny a disability claim under the following circumstances:
- If the injury or illness was the result of a pre-existing condition that was not disclosed during the application process.
- If the condition developed within two years of the date of the policy.
For these reasons, it is important that an individual divulges all relevant information about their medical history when applying for benefits. An insurance company has the right to cancel any policy if it discovers the applicant did not include a pre-existing condition.
An employer-supported policy
An employer-supported policy comes with a clause on pre-existing conditions. Usually, if a year goes by from the time the employer-supported policy was initiated, and the date the claim was made, their pre-existing condition will hardly be a factor in the person’s disability claim.
Get legal help
Filing a disability claim can be a tedious process. As a result, it is highly recommended that you seek the services of an experienced disability lawyer to avoid further unfortunate occurrences.
➤ Talk with a Minneapolis long-term disability attorney
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