I am recently disabled, and have applied for long term disab thru my prior employer.
Company is Sun Life. (Insurer)
My current diagnosis is 300.02 (Generalized Anxiety Disorder) and 296.33 ( Depression)
Spoke w/ Sun Life today, they are saying they can go back 1 year prior on pre existing conditons to deny me, they are currently underwriting the file, no decision made yet.
One year prior from January 1, 2011.
I last saw my PCP December 2009, she diagnosed me with 300.00 (Anxiety state) and 401.9 (hypertension).
She prescribed Xanax, which I am presecribed now from my current psychiatrist treating me.
In the insurance clause : It states " Pre Existing Conditon means during 12 months prior to your Effective Date of Insurance, you received medical treatment, consultation, care or services, or took prescribed drugs or medicines for the disabling condition.
MY QUESTION: Do you think they can call this a pre-existing condtions: GIVEN the AXIS CODES are DIFFERENT, but I am taking and took Xanax.
Need some major help/insight here....