Issues regarding pre-existing condition exclusions continue to raise concerns in litigation over disability benefits.The principal question raised is whether insurers may use hindsight to establish that any doctor visit prior to the commencement of coverage for symptoms that could possibly be related to the later diagnosed disabling impairment would be sufficient to trigger the exclusion.A recent decision from the 1st U.S. Circuit Court of Appeals, Lavery v. Restoration Hardware Long Term Disability Benefits Plan, 2019 WL …