I have seen the policy and read it. It is a straight up disability policy. I looked up the case through PACER and read the exhibits, the policy being one of them. Ward is claiming 100% disability. It also shows Roc Nation as the owner and beneficiary of the policy not Ward. And as I wrote in an earlier post Llyod's is asking the court to dismiss Ward from the case based on the above written.
When going thru process of getting insured Ward lists previous injury to knee on 06/25/15 which required a 4-6 week recovery.
It was a one year policy 12/15-12/16.
Ward see's a doctor on 10/19/16 and it was at the gym. Ward claims injury happened during sparring.
MRI on 10/19/16.
Date ceased working due to being unable to work 09/08/2017
Disability claim was made on 10/13/2017
Ward's claim was denied on 09/06/2018. Denied for several reasons. Reasons listed as to why claim was denied is that Ward's right knee issue was an ongoing physical condition which predated the policy (see Ward's 2015 knee injury). The policy did not cover cumulative injuries or degenerative issues of the knee.
Another reason for denial of claim is Ward cannot point to a specific, single or sudden accident that caused his injury on a specific date. All Ward does is state injury happened in October 2016
When going thru process of getting insured Ward lists previous injury to knee on 06/25/15 which required a 4-6 week recovery.
It was a one year policy 12/15-12/16.
Ward see's a doctor on 10/19/16 and it was at the gym. Ward claims injury happened during sparring.
MRI on 10/19/16.
Date ceased working due to being unable to work 09/08/2017
Disability claim was made on 10/13/2017
Ward's claim was denied on 09/06/2018. Denied for several reasons. Reasons listed as to why claim was denied is that Ward's right knee issue was an ongoing physical condition which predated the policy (see Ward's 2015 knee injury). The policy did not cover cumulative injuries or degenerative issues of the knee.
Another reason for denial of claim is Ward cannot point to a specific, single or sudden accident that caused his injury on a specific date. All Ward does is state injury happened in October 2016
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