Add Comment Question: I just applied for LTD due to Breast cancer but was found to be BRCA1 positive 7 months after my policy started. They are reviewing my claim for pre existing conditions. Will my BRCa1 status be used to deny my claim even though I only found out 7 months after being eligible for benefits at work? Answer: The pre-existing condition exclusionary terms in LTD policies are very narrow. As such, there are often ways to attack those types of denials. That requires, however, a review of your specific term, and a precise analysis of the timeline of your condition. I'm going to contact you now so we can explore this more. Your Comment * Your Email * Your Name * Your City Note, your name, city and email is not displayed on the website. It is used to notify you that we have approved your comment.