Pre-Existing Condition Exclusion Does Not Bar LTD Benefits, Judge Determines
NEW ORLEANS - A disability insurer wrongfully denied a claim for long-term disability (LTD) benefits based on the plan's pre-existing condition exclusion because the back injury the claimant sustained while working was not caused by the claimant's pre-existing degenerative back condition, a Louisiana federal judge said Jan. 13 in awarding the claimant past and future LTD benefits (Karl Meche v, Metropolitan Life Insurance Co., No. 18-3995, E.D. La., 2020 U.S. Dist. LEXIS 5200).