Disability Insurer Reasonably Applied Pre-Existing Condition Limitation To Deny Benefits
BOSTON - A disability insurer's denial of long-term disability (LTD) benefits based on the policy's pre-existing condition limitation was reasonable because the insurer offered a reasonable interpretation of the policy that clearly precludes coverage for LTD benefits if the claimant was treated for the same sickness during the 90 days prior to the effective date of coverage, a Massachusetts federal judge said Jan. 14 (William Holzman v. The Hartford Life and Accident Insurance Co., No. 17-11436, D. Mass., 2019 U.S. Dist. LEXIS 6049).