Long-Term Disability Insurance Company Wrong to Limit Chronic Pain Benefits to 12 Months

A federal court in Utah has ruled that a long-term disability insurance company that tried to limit benefits to 12 months for a "chronic pain and fatigue-related illness" was wrong. The insurance company contended that so long as the primary disabling symptoms of an illness were pain and fatigue, the limitation applied.Can my insurance be denied if I only have a pain condition?

In this case, however, the pain and fatigue were caused by another disabling diagnosis. The court found that the insurance company's interpretation of its policy was wrong as it would limit benefits for just about any condition that also caused chronic pain and/or fatigue. Since pain or fatigue are the result of many conditions, this would make the policy benefits illusory.

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Ben Glass
Ben Glass is a nationally recognized Virginia injury, medical malpractice, and long-term disability attorney
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