We make sense of pre-existing conditions exclusions.
Most long-term disability claims contain a clause that gives insurance companies the right to deny your claim based on a pre-existing condition. These exclusions and limitations for pre-existing conditions are legal for the insurance company to incorporate into their policies, but the way in which they’re interpreted can vary widely. Because the interpretation of your policy can be broad, so it’s important to review your policy thoroughly and get the facts before filing a claim.
What defines a pre-existing condition?
During the months immediately before your effective date of insurance, the insurance company will review certain facts related to your illness or injury to determine if it’s pre-existing. This is also known as the “look back period.” While generally three months in length, some look back periods extend to six months or more. Medical treatment, consultations with medical professionals, and prescription drugs administered for the condition will typically be assessed.
Sometimes, insurance companies make mistakes.
Errors in diagnoses aren’t uncommon. Some insurance companies may even attempt to say that the illnesses and injuries in question aren’t severe enough to impede job performance. And while some pre-existing conditions are relatively clear-cut, things get complicated when multiple injuries with overlapping symptoms occur over time. With the help of your medical providers and records, the disability benefits attorneys at Andalman & Flynn can help make sense of confusing pre-existing exclusions when they arise. We’re happy to answer your questions and explain what you can expect while your appeal and denial are pending. You can count on our legal acumen and compassionate presence to guide you through the challenging disability benefits process.
If you have a pre-existing condition, count on the knowledgeable attorneys at Andalman & Flynn to explain your options and enforce your legal rights. Please contact us today to schedule a consultation.
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Client Testimonial – Outstanding Service by Senior Paralegal Zubaidah Haamid
“Dear Mr. Andalman, I am writing this letter as a testimonial to the great service that I received from the law firm of Andalman and Flynn. I retained the services of Mr. Andalman for federal disability retirement. I had been denied at the initial stage and was not too hopeful about being awarded benefits at… the reconsideration stage. Thanks to the expert legal team of Elliott Andalman and Zubaidah Haamid, my claim was approved. From my first contact with the office, I was treated with respect and kindness. I was kept up to date on the status of my case and because of their hard work and diligence, my case was approved with incredible speed. I want to give a special thanks to Ms. Haamid for working so diligently to get things through to OPM quickly and for following through with the assigned adjudicator. I believe it was Ms. Haamid’s diligence in handling my claim that brought about such a quick decision. Ms. Haamid went that extra mile for me and it truly paid off. I would recommend Andalman and Flynn to anyone who needs a lawyer for federal disability retirement.” T.S., Lorton, Virginia Read more “Client Testimonial – Outstanding Service by Senior Paralegal Zubaidah Haamid”
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When you need experienced legal counsel, turn to Andalman & Flynn. Our renowned team is here to provide vigorous representation for your most pressing family law and disability law issues and disputes.
Please contact us today to schedule a consultation.