Direct answer
No, most individual disability insurance policies include a waiting period or exclusion for pre-existing conditions disclosed during the medical underwriting process. Coverage for these conditions is rarely provided unless a specific rider is negotiated during the initial application.
Standard policy provision definitions and medical underwriting criteria. For additional information about how medical underwriting is utilized in insurance, see the American Council of Life Insurers‘ guidance on life and disability insurance standards.
What this means for you
No, most individual disability insurance policies include a waiting period or exclusion for pre-existing conditions disclosed during the medical underwriting process. Coverage for these conditions is rarely provided unless a specific rider is negotiated during the initial application.
FARMER STOCKMAN
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This page is informational and not a coverage guarantee or quote.
