Originally Posted by Guest

When my husband had his stroke after surgery (to prevent a stroke), while still working, his long term disability insurance comapny used the pre-existing excuse for denial. Reading the policy, I cannot see where ANYONE would be covered, either. It said, "If you had been seen by a doctor and had any diagnostic tests run, then you have a pre-existing condition." It did not say diagnostic tests for anything specific, just diagnostic tests. Go figure. Don't we all have diagnostic testing every time we see a doctor, even if it is just the blood work? The insurance company was UNUM and has had many lawsuits associated with their insurances. Trust me, he did not have surgery and a stroke just so he could collect one-year of LTD. That was all it would have paid because he could not return to his work, even for one day, and was terminated per company policy. If you could return for just one day, then you would not be automatically terminated.

If I could have him back the way he was before this happened to him, believe me, I would have paid THEM.