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Pre-existing conditions Archives

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Pre-existing problem must substantially contribute to disability

Pre-existing problem must substantially contribute to disability.pngA disability insurance policy financially protects the policyholder by making wage replacement payments, usually at the level of two-thirds of earnings, if the person cannot work because of disability. Many disability policies have a pre-existing condition clause, which excludes coverage if the insured has been seen for a medical condition during a determined timeframe called the look-back period prior to the policy's effective date of coverage.