jammer
November 6, 2019, 6:06pm
4
Maybe your doctor has an opinion.
Is it likely the recent disorder existed before the employment but went undiagnosed?
I don’t have that pre-existing clause.
That “payment is not made…” clause seems like it’s going to be a problem.
Read this stuff:
Did you know: Disability Insurance Underwriters have a long list of medical impairments that guide them as to whether the Client applying will be declined or accepted on a policy??? Wow!
Applicants that have any of the following conditions are not eligible for Sickness Disability or Sickness Disability Extension coverage:
• Alzheimer’s disease
• Parkinson’s disease
• Huntington’s chorea
• Multiple sclerosis
• Lupus or systemic lupus erythematosus (SLE)
• Stroke – cerebrovascular accide…
Thank you ‘searching’ for your your feedback. I have done all the above. Some of my doctors and therapists do not seem to care about my well being.
I am not sure how much I can share on this forum. You are welcome to pm me for more details.
Basically, I was physically abused by my mom and many women during my childhood. I was able to work and maintain a job. Recently, I was verbally abused by women in my job. I filed many complaints and my manager and supervisors supported me. There were …
I hope he has enough hours for EI sickness benefits. Is Manulife using that he is under a year and the pre-existing clause? Perhaps welfare could help him out. Tough situation.
Typical in most group policies is an exclusion for pre-existing conditions. The time frame is often 1 year. Sometimes shorter or longer.
This is a good topic to raise and one we all should be aware of if we try a new employer and end up not being able to work.
You could certainly be at risk in doing so
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 …
