Sometimes people are denied coverage because of pre-existing conditions and this occurs when the person makes a claim on their insurance policy after becoming covered just in the recent past. So it could be after six or 12 months of coverage a person would file a claim and the insurance company has the right to look to the prior six or 12 months to see if they were already in treatment for that particular condition.
If this happens to you, an attorney can review your file and medical history because not all conditions are neatly separated, some overlap and interplay and an attorney may be able to convince the insurance company that it’s a different condition than your pre-existing illness that’s causing your disability.
If your disability claim was denied because of a pre-existing condition, contact a long-term disability attorney from Hankey Marks & Crider at (317) 634-8565 to learn more about what you can do to fight for the benefits you need.