My client took out a short term disability policy in December of 2010. He then suffered a stroke in May of this year. His short term disability carrier denied the claim, asserting that the stroke was a preexisting condition.
You won’t be surprised to hear that I filed a lawsuit against the STD carrier for breach of contract. I can’t wait to see how they prove that a stroke that occurred in May 2011, preexisted an insurance policy taken out in December 2010.
As with most of my insurance cases, if I am successful, the insurance company will be required to pay my hourly fees and costs, and if I lose, I’ll work for free.