Pre-Existing Condition. It’s one of the most common excuses used by insurance companies to deny workers’ compensation claims. And, the excuse is often wrong.
Our office regularly receives calls from people who have been (wrongly) denied benefits based on the excuse of a “pre-existing condition.” The injured worker usually had some pre-injury health problem the insurance company seized-upon to deny his or her claim. Remember, most people don’t have perfect health. And, our workers’ compensation system was not designed to help only those few people with perfect health.
So, what does Alabama’s workers’ compensation law say about prior health problems? How does our law define pre-existing disabilities? Can pre-accident health conditions affect a claim? These are good questions.