How Does a Pre-Existing Medical Condition Affect My Disability Claim?
Whether you have had back pain since you were a teenager or a more recent condition has left you experiencing some discomfort, being involved in a long-term disability claim with a pre-existing condition can have an impact on your claim. For example, the insurance company may assert that you are not qualified for disability as your medical issues are connected to the said pre-existing condition. However, Share Lawyers may be able to help you receive the compensation for which you are entitled, regardless of any pre-existing conditions.
A pre-existing condition is a term used by insurance companies to describe a medical condition that existed prior to your disability insurance coverage. For example, if you started at your job six months ago and now find that you cannot do your job because of asthma or diabetes; your insurance company may argue that your asthma or diabetes existed prior to your coverage and attempt to deny your claim. If your claim has been denied because of a pre-existing condition, you should contact an experienced lawyer. Share Lawyers have years of experience helping others in similar situations!
Generally, pre-existing medical problems only pose a problem if the disability occurs a short time after coverage begins- usually within one year on a group policy. In cases where a claim of total disability is made in the first year of coverage, the insurer may investigate to see if entitlement to benefits is excluded because of a pre-existing medical condition that existed before coverage began (e.g. in the 90 days prior to the coverage beginning). The wording of the insurance policy is crucial. Any policy should be carefully examined by a lawyer to determine the specific provisions and how they may apply to you.
If your disability claim has been denied because the insurance company says you had a pre-existing condition, Share Lawyers can review your case to determine whether you have any chance at avoiding the pre-existing exclusion.
Has your long-term disability claim been denied? Contact Share Lawyers and put our experience to work for you. We offer free consultations and there are no fees unless we win your case.
We have recently settled cases against Equitable Life, Humania Assurance, Prudential, Industrial Alliance, and State Farm
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A note from our long term disability lawyers
Taking a medical leave from work is not an easy decision to make. Concerns about providing for yourself and your family and keeping your job may cause you to want to push through your pain, but this won’t make your problems go away. Stopping work is often the smartest decision for your long term health and well-being, and your disability benefits are there to provide you with financial support until you can return to work.
If you have made the tough decision to stop working and apply for your short term disability or long term disability benefits, you may feel overwhelmed by the process and have questions that your employer and your insurance company are not able or willing to answer. Share is There to see you through and answer your questions.
Our Disability law firm knows what you have been going through
We understand that things have not been easy for you over the last little while. Your health has been suffering, you are unable to work, and now your insurance company, who was supposed to be there in your time of need, has decided they will not pay your disability benefits or respect your disability claim. These benefits exist to provide you with the financial support you need so that you can focus on your health and rebuilding your life. It is unfortunate that your insurance company has not lived up to its promise. If your disability claim has been denied, we will fight to get you the benefits you are entitled to. Our disability lawyers have helped thousands of Canadians get their long term disability benefits over the past 35 years, and we can help you too.
Our experienced disability lawyers can fight back on your behalf
Share Lawyers believes that every client who is dealing with a disability claim deserves superior personal service. To achieve that goal, we have developed our team of experienced, compassionate, and caring long term disability lawyers, law clerks, and administrative staff to meet all of your needs. Our team of experienced long term disability, life insurance, employment, and critical illness insurance lawyers have made successful claims against many insurance companies, third-party administrators and employers.
If you are unable to work, your disability benefits should be there to provide you with the financial support you need. While your insurance company may be focused on finding ways to avoid paying your claim, our focus is on what is in your best interest. When Share Lawyers gets involved, you have an entire team of lawyers that are there to support you and to fight for what is yours.
Our disability claim lawyers fight for your disability insurance claim by relying on our many years of experience to apply the best strategic planning and approach in each case, using the latest technology available. Experience matters, and with Share Lawyers, you are in the best hands with 35 years of success on your side.
In this video, we explain the role of a long term disability lawyer and how we can support you when you have been denied your long term disability benefits.
