Skip to main content
* NOTE: Terms of Service Updated 21 Feb 2018

Can a Long Term Disability Claim be Denied for a Pre-existing Condition

  • Published: 2010-09-18 (Revised/Updated 2016-03-20) : Disability Attorneys Dell & Schaefer (diattorney.com).
  • Synopsis: It is possible your long-term disability claim can be denied for a pre-existing condition.

Main Document

Quote: "If they see that there is a condition that you didn't disclose on the application, they will more than likely deny your claim for a pre-existing condition."

Your long-term disability claim can be denied for a pre-existing condition; however, it's a very fact-specific analysis as to how it's going to happen.

For instance, on a private policy you purchased on your own, if you failed to disclose a medical condition on the application for benefits and then later on you file a claim for that same condition, the insurance company, in conducting their review of your entitlement to benefits, will get medical records.

If they see that there is a condition that you didn't disclose on the application, they will more than likely deny your claim for a pre-existing condition.

On top of that, there's a good chance that they'll rescind the policy, no matter how old it is as for almost making a fraudulent misrepresentation on the policy.

Now on ERISA governed group policies you get through your employer, for the most part, as soon as you become employed if there's a waiting period to become eligible, you're going to be covered under the plan.

However, they do have pre-existing condition clauses contained therein.

Usually a safe bet is if you haven't filed a claim for disability within a year of being covered under your employer's plan, more than likely you're not going to fall into a pre-existing condition situation.

However, all policies do differ, so if you do have questions, contact us and we can definitely review the policy for you.

Information supplied courtesy of the experts at diattorney.com View several short video clips which answer your most common questions on disability insurance claims.

Similar Topics

1 : Kentucky Court Overturn's Liberty Life's Denial Of Mental Illness Claim and Awards Claimant Long Term Disability Benefits : Attorneys Dell & Schaefer.
2 : Doctors and Medical Professionals Must Know What to Expect when Applying for Disability Insurance Benefits : Disability Attorneys Dell & Schaefer.
3 : Cigna May Have to Pay Wrongfully Denied Disability Benefits : Gregory Michael Dell.
4 : An ERISA Disability Appeal Must Be Filed Timely or You Will Have No Right to Sue : Disability Attorneys Dell & Schaefer.
5 : Unemployment Benefits and Social Security Disability Claims : Katz, Friedman, Eagle, Eisenstein, Johnson & Bareck.
From our Disability Insurance Claims section - Full List (32 Items)

Submit disability news, coming events, as well as assistive technology product news and reviews.


Loan Information for low income singles, families, seniors and disabled. Includes home, vehicle and personal loans.


Famous People with Disabilities - Well known people with disabilities and conditions who contributed to society.


List of awareness ribbon colors and their meaning. Also see our calendar of awareness dates.


Blood Pressure Chart - What should your blood pressure be, and information on blood group types/compatibility.





1 : Early Childhood Education Needs to be Accessible and Affordable
2 : How the Human Brain Can Tell Our Arms and Legs Apart
3 : Protein Levels in Spinal Fluid Correlate to Posture and Gait Difficulty in Parkinson's Disease
4 : Palliative Care Findings on Caregiver Depression, LGBT Partners, Moral Distress

Citation


Disclaimer: This site does not employ and is not overseen by medical professionals. Content on Disabled World is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of a physician or other qualified health provider with any questions you may have regarding a medical condition. See our Terms of Service for more information.

Reporting Errors: Disabled World is an independent website, your assistance in reporting outdated or inaccurate information is appreciated. If you find an error please let us know.