Is back pain considered a pre-existing condition?

Is a bulging disc a pre-existing condition?

In terms of workers' compensation, a pre-existing condition is any health issue you had before your work injury occurred. Often, the condition happened years before employment began. Examples of pre-existing conditions may be a herniated disc, carpal tunnel syndrome, or even a heart condition.

Is muscle pain a medical condition?

Muscle pain that is felt throughout your whole body is most often caused by an infection, such as the flu. Other causes include more-serious conditions, such as some diseases or health conditions that affect the muscles. Muscle pain also may be a side effect of certain medicines.

Can health insurance deny for pre-existing conditions?

Under the Affordable Care Act, health insurance companies can't refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts.

What are pre-existing conditions exclusions?

Pre-existing Condition Exclusion. A limitation or exclusion of benefits for a condition based on the fact that you had the condition before your enrollment date in the group health plan.

Is high blood pressure considered a pre-existing condition?

High blood pressure (also called hypertension) is a common pre-existing medical condition, and can be covered by your policy - but you need to meet the conditions below.

Is pre-existing the same as already existing?

If something's preexisting, it was already there — it existed earlier. Someone might offer you a babysitting job, but if you have a preexisting agreement to watch your little brother that night, you'll have to turn it down.

Is a pre-existing condition a diagnosis?

A pre-existing condition is a health issue that required diagnosis or treatment prior to an applicants' enrollment in a health plan.

Is a broken leg a pre-existing condition?

Pre-existing conditions can include serious illnesses, such as cancer. It can also include less serious conditions, such as a broken leg, and in some cases, even prescription drugs can count as a pre-existing condition. Pregnancy is considered a pre-existing condition.

Is back pain a physical disability?

The Social Security Administration has a section on 'Disorders of the Spine' in its Listing of Impairments, which is typically used to determine whether back pain is compensable. In order to be considered a 'disability,' your back pain must involve, among others, one of the following: Herniated discs. Compressed nerves.

Does back pain affect life insurance?

In most cases, chronic back pain does not significantly impact your eligibility for life insurance coverage. However, if the back pain is related to other medical conditions or complications, it may have more serious repercussions.

Is back pain a medical issue?

Back pain is one of the most common medical problems in the United States. It can range from a dull, constant ache to a sudden, sharp pain that may shoot down the leg.

What is a 12 12 pre-existing condition limitation?

A 12/12 pre-existing condition means that if you have a claim in the first twelve months, the insurance company will look back 12 months before you started the policy to see if you had a pre-existing condition that might have caused it.

What are common exclusions in property insurance?

What is a 3 6 pre-existing condition exclusion?

These provisions also include a treatment period, usually 3 months or 6 months, called the “pre-existing period.” This basically means that you cannot have been treated for, or taken prescribed medications 3 months before the effective date of coverage.

What is the longest period of time an insurer may exclude coverage for pre-existing conditions in an LTC policy?

Policies covering long term care services may not contain a preexisting condition limitation of more than six months after the effective date of coverage.

Can insurance companies deny coverage?

A car insurance company can deny coverage for almost any reason. An insurer might deny coverage to a driver who it believes poses a higher risk and is more likely to file a claim.

Can insurance deny surgery because you smoke?

That's a fantastic question. Currently, insurance companies do not take smoking status into consideration when choosing to approve or deny joint replacement surgeries.

Is chronic pain considered a disability?

Chronic Pain and the SSA's Definition of 'Disability'

This list, also called the Blue Book, outlines specific serious medical conditions that can make you eligible for benefits along with detailing what symptoms you must exhibit with each condition. Chronic pain is not a listed condition in the Blue Book.

What are 2 medical words for muscle pain?

The medical term for muscle pain is myalgia. Myalgia can be described as muscle pains, aches, and pain associated with ligaments, tendons, and the soft tissues that connect bones, organs, and muscles.

Is chronic muscle pain a disability?

Chronic pain syndrome can force people to retire early or severely limit their daily activities. In many cases, people have pain that is not curable. The Social Security Administration does not consider chronic pain to be a disability and chronic pain syndrome is not listed as an impairment in the Blue Book.