Accident v. Sickness provisions in a disability policy usually becomes an issue when a person is expecting to receive a lifetime disability benefit. This issue only appears in private disability insurance policies. In some policies, if a person becomes disabled due to an accident before age 60, then the claimant may be entitled to a lifetime benefit.
Disability insurance lawyers Cesar Gavidia and Gregory Dell discuss the importance of addressing and identifying a potential accident v. sickness issue as soon as possible. We have litigated and appealed this issue on numerous occasions and have been successful in proving that a disability was caused by an accident and not a sickness. Contact us for a free consultation to discuss your disability claim.