I’ve been reading everything I can find to clarify parts of the DI contract that are ambiguous for my personal situation, and so that I can have the best chance at getting approved.
It’s almost impossible to find out how the insurance companies assess claims or apply specific clauses (like the exclusions for pre-existing illness - its unclear what similar illness means and who determines this. How do I answer that question in the form. How would I be able to say they are similar!?).
I went on sick leave for 17 weeks and received EI benefits. I did not submit a DI claim I started a progressive return to work. I later realized that I would have to submit a claim after all to get paid while I was returning to work. My 4th week back, I had to go back on sick leave again. I had not yet submitted the claim.
The diagnosis I got previously was potentially not eligible (generalized anxiety : I have been treated for depression w/ anxiety symptoms) But the I was very recently diagnosed with a different disorder, which is what my disability claim will be based on.
Is that new diagnosis also valid for the period before I returned to work? It was present, just not diagnosed yet.
Do I submit a single claim for the whole period?
Do I submit 2 separate claims?
Do I submit a claim only for the first leave and wait to add the current disability?
Do I have to wait another 13 weeks?
Im stuck, unable to get the medical form filled out until I figure out the best approach.