Hi, Welcome to the Forum. I am glad you liked my article on the Secret to Winning a Disability Claim! I consider this to be one of the most important blog articles I have ever written.
To answer some of your questions, the pre-existing disability clauses typically only apply if you have been enrolled in the group plan for less than 1 year (sometimes 2 years). Sounds like that does apply, so in a situation like yours the insurer will always look into whether your reason for disability would fall under the pre-ex clause.
You are dealing with one continuous period of disability. Usually, that will only be broken if you return to work full time for 6 months or more. Emphasis on full time. If you don’t get to full time or go off again within a period of time (usually 6 months) then it is considered the same claim.
Good luck with your claim.
David Brannen
Disability Lawyer with Resolute Legal
The response posted above is based on the limited factual information made available and is not intended as a full and complete response to the question. The only reliable manner to obtain complete and adequate legal advice is to consult with a lawyer, fully explain your situation, and allow the lawyer enough time to research the applicable law and facts required to give an adequate opinion. The basic information provided above is intended as a public service only, a full one-on-one discussion with a lawyer should be done before taking any any action. The information posted on this forum is available to the viewing public and is not intended to create a lawyer client relationship with any person. If you want one-on-one advice, please click here to request a free consultation or call toll free 1-877-282-5188 to speak with a member with our disability claim support team.