Wisconsin workers whose employers provide long-term disability insurance may find that their claims could be denied based on the nature of the injuries they seek compensation for. In one case in which a man's wife passed away, he claimed that her employer's denial of disability insurance benefits was unjust. A district court, however, dismissed his complaints and maintained the policy included a valid exclusion clause prohibiting benefits for disabilities caused by preexisting conditions.
In an opinion published by the Western District of Wisconsin District Court, it was noted that after being diagnosed with shoulder pain, the woman was prescribed a regimen consisting of physical therapy and painkillers. After beginning therapy and subsequently receiving an MRI, she discovered that she had a malignant tumor in her shoulder. She was later diagnosed with lung cancer that had spread to her liver and bones.