Has Your Disability Insurance Claim Been Denied Due to a Pre-Existing Condition?

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.

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.


We understand that being denied disability benefits can be frustrating and devastating. Your time to fight your disability insurance company is limited. Please do not delay in calling long term disability lawyer. We have successfully sued numerous disability insurance companies including: Manulife, Sunlife, Desjardins, Great West Life, Blue Cross, AIG, SSQ, RBC, Industrial Alliance and more.

Call your trusted long term disability lawyers at 1-888-GOKOTAK (Toll Free for all of Canada), or (416) 816-1500 (Local Number for Ontario Residents), (403) 319-0071, (587) 414-1010 (Local Numbers for Alberta Residents). Our consultation is free and we don’t get paid until you do. We can meet you at our offices, at a coffee shop, your home or a local court house. We represent disabled people throughout Ontario and Alberta, including Toronto, Mississauga, Brampton, Milton, Georgetown, Orangeville, Oakville, Burlington, Hamilton, St.Catharines, Niagara Falls, Stoney Creek, Kitchener/Waterloo, Cambridge, London, Windsor, Markham, Pickering, Oshawa, Peterborough, Keswick, Kingston, Ottawa, Banff, Brooks, Calgary, Edmonton, Fort McMurray, Grande Prairie, Jasper, Lake Louise, Lethbridge, Medicine Hat, Red Deer, Saint Albert and other locations.

Disclaimer: This article is intended to supply general information to the public. We make every effort to ensure the accuracy of this information. However, as laws change quickly, the reader should always ensure the accuracy and applicability of such information with respect to their particular case. The information contained in this article cannot replace a thorough and complete review of the reader’s situation by competent legal counsel who has had an opportunity to review all of the facts.