If I Have A Medical Condition Can I Get Disability Insurance?

1. 

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   Kelly Moser

   Social Media Strategist, Disability Insurance Services, California

   Yes, there is a chance you can receive individual disability insurance through the impaired risk market (Assurity, Mutual of Omaha, Lloyds of London, etc.).  If you have a pre-existing medical condition, such as diabetes, anxiety, sleep apnea or even some forms of cancer, you can still receive insurance, though it will have a shorter benefit period, and most likely an exclusion for your particular illness.

   Answered on September 3, 2013

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2. 

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   Peggy Mace

   Most of the U.S.

   Whether you can get Disability Insurance with a medical condition (or whether the policy will exclude that medical condition) depends on the type of health condition you have. Some health conditions are more prone to causing a person to eventually become disabled than others, and therefore more likely to be excluded or denied, while others will not have much effect on the policy.

   Answered on September 3, 2013

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