1. 47 POINTS
    Kevin Haney
    A.S.K. Benefit Solutions, New Jersey
    Preexisting conditions may affect a disability insurance policy in two different ways.

    When applying for a policy, you may be asked a variety of medical questions. This is a normal part of the underwriting process. The carrier may decline the application for a variety of prior and existing medical condition.

    If issued the policy, most contracts will contain exclusion language for preexisting conditions. Disabilities that begin within the first twelve months of the policy effective date are normally excluded from coverage.
    Answered on October 1, 2014
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