As I had anticipated, my claim was denied due to a pre-existing condition even though I had clearly indicated (as did my doctor) that the existing, chronic condition was not the cause of my disability and that the reason for my claim was a new diagnosis listed as “primary diagnosis”. Somehow they conflated the two and denied based on this.
I am definitely not in agreement with their decision so I am considering appealing.
However… I had another idea but I am not sure if it’s possible.
I first went on medical leave from work a couple of months short of my 1 year of employment and returned approximately 6 weeks after the 1 year mark. After a failed attempt at a progressive return, I went on medical leave again 3 weeks later.
I used the date of my first leave for my claim, as that covered the 13 weeks elimination period. This is why the pre-existing condition exclusion was used.
However had I used the start date of my most recent leave, I would have been passed the 12 months of coverage.
Is this correct?
If so, can I make changes to my current claim, or submit a new one with the later date?