Disability insurance is designed to replace part of your income if an illness or injury keeps you from working. But what happens if you already have a medical condition before applying? Many people wonder whether they can still qualify, and if so, how claims are handled. While it can be more complicated, having a pre-existing condition doesn’t always mean you’re shut out from coverage.
A pre-existing condition is any health issue diagnosed before you apply for insurance. Common examples include diabetes, asthma, cancer, depression, epilepsy, or HIV. If you fall into this category, here are four important things to understand about getting disability insurance.
1. Coverage May Still Be Possible
Even with a health condition, you might qualify for a policy. In many cases, as long as your future disability claim is unrelated to your existing condition, you could still receive benefits. For instance, someone with diabetes or sleep apnea may be approved if the condition is under control, though the premium may be higher. In some situations, insurers will even cover applicants who had cancer if they have been in remission for several years.
2. Certain Conditions Can Prevent Approval
Not all conditions are treated equally. Severe or chronic illnesses may disqualify you from coverage altogether. And if your claim is directly tied to a condition you had before applying, the insurance company will likely deny it. For example, if you already had epilepsy when you purchased your policy, and your seizures worsen later, a claim for lost income would almost certainly be rejected.
3. Additional Documentation May Be Required
When filing a claim, insurers may request medical records to verify whether your disability is linked to a pre-existing condition. For example, if you previously had a back issue but later suffer a different type of injury, detailed medical documentation can help show the two are unrelated. A physician’s statement that clearly identifies the cause of your disability can also strengthen your case.
It’s essential to be upfront about your medical history when applying. Failing to disclose a condition can invalidate your policy later, leaving you without protection when you need it most.
4. Employer Plans Can Be a Good Option
Group disability insurance through an employer is often easier to obtain than an individual policy. These plans typically don’t require medical exams or underwriting, so pre-existing conditions are less of a barrier. They’re usually more affordable as well, since the cost is spread across the group.
That said, workplace coverage has limits. Benefits may be less flexible, certain conditions may not be included, and you lose the coverage if you leave your job. Still, for many people with pre-existing conditions, an employer-sponsored plan can be a practical solution.
Final Thoughts
Getting disability insurance with a medical history isn’t always straightforward, but it’s not impossible. The key is knowing your options, disclosing your condition honestly, and working with an insurance professional who understands how different carriers handle pre-existing issues. With the right approach, you can still find protection that gives you and your family peace of mind.
