What happens if you are on LTD for a psychological issue but then you get cancer and your psychological issue still hasn’t resolved anyways?
Now you have multiple conditions making you unable to work.
Does that affect LTD?
It should just make it much harder for the Insurer to cut you off from your monthly LTD benefits.
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All LTD policies have ways of dealing with this situation.
The most common situation for group LTD policies is that new conditions will be included as long as there was continuous disability. If a person go back to work in the meantime when the new medical condition arises, then it can get complicated.
However, there can be exceptions to this depending on the wording of your policy. Some policies will treat new conditions as separate claims. And some policies will exclude certain illnesses or conditions, so you have to always look at this on a case-by-case basis.
You can always report to the insurer and they will tell you how they view it. If you disagree with their decision, you can get a legal consultation.
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 1-877-917-7050 to speak with a member with our disability claim support team.