Info Library

Find answers to your disability claim questions.

Welcome to our Info Library.

The Info Library is a resource for people who have questions about disability insurance benefits, insurance companies, medical conditions, occupational demands, claims, appeals, and litigation.

Think of it as a practical guide to disability claims. Our goal is to explain common issues in clear, useful terms so you can better understand the process, the risks, and the decisions that may affect your benefits.

New articles are added regularly.

 

Category: Policies - Pre-existing Conditions

Pre-Existing Condition Limits in Disability Insurance

Pre-existing Conditions Strategy - Limitations and Restrictions

All insurance policies have limitations in what they cover. One such limitation in long term disability (LTD) coverage is for pre-existing medical conditions. It is preferable that an individual who is seeking LTD policy coverage has had no prior medical concerns, but not everyone’s health is ideal. As our NY long term disability lawyers know, having a pre-existing condition is a variable, and how it exactly will impact the individual claimant is a matter involving the nature of the condition, the type of coverage being sought and the underwriters of the insurance company involved.

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