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What are Self Reported Condition Limitations in a Disability Insurance Policy

  • Published: 2010-09-20 (Revised/Updated 2016-03-20) : Disability Attorneys Dell & Schaefer (diattorney.com).
  • Synopsis: Self-reported symptom condition limitations are starting to become more prevalent in group disability policies.

Main Document

Quote: "...some policies do have exceptions to get around certain self reported limitation conditions provisions and policies"

Self-reported symptom condition limitations are unfortunately starting to become more prevalent in group disability policies.

This limitation is aimed at directly trying to limit usually to a 24-month period certain conditions such as chronic pain, fibromyalgia, chronic fatigue syndrome, and in some policies, they even define to include headaches or migraines.

These are unfortunately a lot of the claims that usually people are on disability for.

So, this gives the insurance company the ability to say, Yes, we agree that you have the condition, unfortunately, it's capped at a 24-month period.

Now some policies do have exceptions to get around certain self reported limitation conditions provisions and policies, but each policy the review and analysis is different on it.

So if you do have a question or concern or the insurance company is sending you a letter, usually at the time their initially approving your claim that it's limited to a two-year period, that's a good time to contact our office to take a look at it to see if there's a way to maybe try to set up your claim to avoid having benefits cease at the end of that 24-month period.

Information supplied courtesy of the experts at diattorney.com who specialize in Long Term Disability

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