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 – I really appreciate you and the fact that you are always honest with me and looking out for my best interests!
Elliott, I just wanted to say thank you for all you’ve done for me! I really appreciate you and the fact that you are always honest with me and looking out for my best interests! Thank you for taking time out of your busy schedule to help me a reassure me! If there is ever… anything I can do to help you, please let me know! I didn’t tell you about my degree to brag but I wanted to let you know that you had a positive effect on my life and I’m going in the right direction because of you. When you met me, I was too sick to work and you helped me win disability benefits, which took four years, two hearings and work before the Appeals Council. Now I’m doing my best to be a contributing member of society. You believed in me and for that I will never forget you! If I hear of anyone who needs a lawyer like I did, I will definitely recommend you! Read more “Client Testimonial – I really appreciate you and the fact that you are always honest with me and looking out for my best interests!”
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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.