Monthly Archives: February 2013

4th Circuit Interpretations of Pre-Existing Condition Limitations in Long Term Disability Plans

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By: Charles Fuller and Denise Martin

Most long term disability insurance policies contain a pre-existing condition limitation clause.  Insurers often rely upon these types of clauses to deny a participant’s claim for benefits.  This article will discuss various Fourth Circuit cases in which the Court determined the applicability of a policy’s pre-existing condition limitation.  Continue reading