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20837174 tn?1529629882

Can Coronary Arteries get Blocked within a year

I had 5 Coronary Arteries replaced a month ago and now my disability insurance company does not want to pay my disability benefits as they say that it was a pre existing condition that began more than a year ago and my policy has a one year waiting period for pre existing conditions. All of the research that I have done no where can I find that there is a timeline on how fast or slow it takes coronary arteries to get blocked. Can they get 60% to 98% blocked in a year or must it always take over a year to reach this amount of blockage? Thank you in advance for your responses.
1 Responses
Avatar universal
Coverage of pre-existing conditions usually depends on the date you were medically diagnosed with the condition.  The insurance company determines that by doing a review of your medical records.  For insurance purposes, you generally aren't considered to have a condition until it's documented in your personal medical record.  

If there was never one word in your medical records about coronary artery disease or symptoms of coronary artery disease prior to a year ago, I think you have grounds for an appeal.  Otherwise, insurance companies could deny coverage in this situation for pretty much anybody, because coronary artery plaque often starts building up at a young age.  

The disability insurance company needs to explain to you your policy and the basis for their decision.  If you still have a difference of opinion with them after that, then you may be able to get help from your human resources representative (if this coverage is a benefit offered by your employer) or your state insurance commissioner.
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