What are self reported condition limitations in a group long term disability insurance policy?
- What Are Self Reported Condition Limitations in a Disability Insurance Policy?
Disability attorney Stephen Jessup discusses the definition of “self reported condition limitations” in a group long term disability insurance policy.
A self-reported symptom condition limitation are unfortunately starting to become more prevalent in group disability policies. This limitation is aimed at directly trying to limit usually to a 24-month period certain conditions such as chronic pain, fibromyalgia, chronic fatigue syndrome, and in some policies, they even define to include headaches or migraines. These are unfortunately a lot of the claims that you see people are out on disability for.
So this gives the insurance company the ability to say, “Yes, we agree that you have the condition, unfortunately, it’s capped at a 24-month period.” Now some policies do have exceptions to get around certain self-reported limitation conditions provisions and policies, but each policy, the review and analysis is different on it. So if you do have a question or concern or the insurance company is sending you a letter, usually at the time their initially approving your claim that it’s limited to a two-year period, that’s a good idea to contact our office to take a look at it to see if there’s a way to maybe try to set up your claim to avoid having benefits cease at the end of that 24-month period.
There are 2 opinions so far. Add your comment now.
Request a Free Consultation
Click here or call 800-682-8331 now!
We respond the same day.
We represent disability insurance claimants all over the United States.
We have handled thousands of disability claims and you can read about them.
- After sending claimant to a psychiatric IME, Reliance Standard realizes its decision to deny benefits was incorrect
- Liberty Mutual Twice Denies and Approves Long-term Disability Benefits to IT Systems Analyst with Rheumatoid Arthritis
- Dell & Schaefer convinces Sun Life to Overturn Denial of Long Term Disability Benefits for a Person Suffering from Severe Cervical Disorders
- Hartford Agrees to Overturn its Previous Denial of Long Term Disability Benefits for an Employee of Adventist HealthCare who suffers from RSD/Complex Regional Pain Syndrome
Read what our clients say about us.
- Donald M. ·I was getting nowhere with my absence management company. They cut off my only source of income two weeks before I was to go on long term disability. They kept giving me...› continue
- Marlene D. ·When I saw myself in the need to seek legal advise, I didn't quite know where to turn, since I hadn't needed one ever before. So... keeping up with the times, I turned...› continue
- Thomas S. DVM ·When I first thought about a disability claim and what was required to qualify, I met with Greg Dell and he clearly spelled it all out for me. He quickly advised me...› continue