Many short term disability and long term disability policies contain a provision to exclude coverage for pre-existing conditions if the disability occurs within one year after disability coverage begins.
Typical wording in disability insurance policies is that a pre-existing condition is not covered if the employee was treated by or consulted a health practitioner for the condition within three months prior to being covered under the plan.
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Disability insurance companies often interpret provisions concerning pre-existing conditions in an over reaching manner. For example they may allege that a prior visit to a doctor for anxiety is the same as later being diagnosed with major depression or bipolar disorder.
At Kotak Law we have significant experience in successfully challenging disability insurers who have denied or terminated disability benefits due to what they feel is a pre-existing condition.