Someone with a long-term injury would have a reason for seeking an insurance that managed to provide access to long-term disability benefits.
The initial qualification for long-term disability benefits
The initial provision of long-term disability benefits would go to someone with this prognosis: Unable to perform the duties at his or her former job for all least 6 months. Once someone had qualified for those initial benefits, the benefit payments would get delivered to the disabled patient/victim for as long as 2 years. At the end of those 2 years, someone that had failed to recover completely would have to apply for extended benefit payments.
Terms and conditions for extended payments
In order to qualify for those extended payments, the disabled patient/victim must show that he or she is unable to perform any of the jobs that match with his or her training. It does not have to be the same job that he or she had earlier, before becoming injured.
The insurance company that has agreed to provide the benefits could cancel the promised payments, if it were to find that the request for an extension of benefits had come from someone with a pre-existing condition.
Each of the long-term disability policies comes with an exclusion provision. According to that provision, no one that had a pre-existing condition before becoming disabled could qualify for receipt of long-term disability payments. Sometimes an insurance company makes the directives in the exclusionary provision a bit unclear. That lack of clarity might be used to disqualify someone that had felt qualified for receipt of the extended payments.
The presence of certain symptoms could increase the chances for an accident, and could therefore force abandonment of the terms in a company’s exclusion provision.
Suppose, for instance, that a given disability were to increase the chances that the affected employee might experience a fall, while at work. Obviously, a smart employer would not want to hire someone like that. For that reason, the same person would qualify for long-term disability payments, as per personal injury lawyer in Sherwood Park.
When could an insurance company learn about the existence of the sort of symptoms that might make a certain employee a danger in the workplace?
The existence of such symptoms might not become evident until the disabled victim had chosen to apply for an extension of an existing long-term disability policy. The applicant might need to answer specific questions, in order to receive the desired extension.
The applicant might receive a question like this: Did you ever fall down? Did you ever fall down while on the job? If the applicant could answer “yes,” and give a believable explanation, then the company would probably ignore the terms in its exclusionary provision.