September 2017 Archives

How Pre-Existing Conditions Deny Long Term Disability Coverage

No insurance policy covers everything, particularly disability policies, which are designed to cover those who become disabled. Because disability claims can be so expensive, particularly long-term disability claims, it's not uncommon for insurance companies to do everything they can to show that an injury falls outside the limits of a disability coverage policy, meaning they may deny their obligation to pay for it. These policy limits are known as "exclusions" and they are designed to help keep costs down while regulating what a company is and is not responsible for. Let's take a look at some of the more common exclusions you could face as part of your injury claim.

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